RUFFIN, Judge.
These related appeals arise from a single action brought by Carterosa, Ltd. ("Carterosa") against its insurer, General Star Indemnity Company ("General Star"), and its insurance agent, Haynie & Byrd Insurance, Inc. ("Haynie & Byrd"). Carterosa sued General Star and Haynie & Byrd when coverage was denied for fire damage sustained by a building owned by Carterosa. In separate orders,
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