FINDINGS OF FACT AND CONCLUSIONS OF LAW
RUSSELL E. SMITH, Chief Judge.
Defendant Sturdevant-Van Wormer Insurance Company (Sturdevant) is an insurance agent. With the aid of Spence Pitts Insurance Company (Pitts), an insurance broker, it arranged to insure heavy equipment sold by Western International Equipment, Inc. (Western), and its subsidiaries, against physical loss. The insurance was
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