MEMORANDUM OPINION AND FINAL JUDGMENT
KAPLAN, United States Magistrate Judge.
This declaratory judgment action involves the interpretation of a "physical and sexual abuse" exclusion in a commercial general liability policy.
Acceptance Insurance Company issued such a policy to Bhugra Enterprises d/b/a Ramada Inn and four additional insureds. The policy provides coverage for "those sums that the insured becomes legally obligated to pay as damages...
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