REYNOLDS, Chief Justice.
Houston General Insurance Company (Houston General) brings this appeal from a judgment rendered on stipulations and a jury's verdict, seeking to be absolved of its decreed $19,800 liability to Ralph Owens (Owens) and Ralph Owens Trucking Company, Inc. (the corporation) under the umbrella liability policy Houston General issued to Owens. Owens and the corporation cross-appeal, conditionally seeking a trebling of the $19,800 recovery pursuant...
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