MEMORANDUM OPINION
JOSEPH H. YOUNG, Senior District Judge.
This matter is before the Court on cross-motions for summary judgment. The Plaintiff, Hartford Fire Insurance Company ["Hartford"], brought this action seeking a declaratory judgment that it is not required to defend or indemnify Annapolis Bay Charters, Inc. ["ABC"], under an insurance policy issued by Hartford. Hartford moved for summary judgment. ABC and its co-defendants, Christiane G....
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