HORTON, J.
New Hampshire Insurance Group (NHIG), defendant in the declaratory judgment action below, appeals from an order of the Superior Court (Barry, J.) requiring it to defend and indemnify the plaintiffs, Mercer and Irene Trefethen. NHIG argues that the trial court erred, inter alia, in allowing the plaintiffs to present theories that had been removed from the declaratory judgment action,
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