Justice WILLIAM E. HUNT, Sr. delivered the Opinion of the Court.
¶ 1 This appeal from the Seventeenth Judicial District Court, Valley County, involves an insurer's refusal to defend its insured. Dawn Marie Brabeck (Dawn), Gerald Brabeck (Gerald), and Brabeck Construction, Inc. (BCI) (or collectively "Respondents") brought this action seeking a declaratory judgment that Appellant, Employers Mutual Casualty Company (EMC), is required to defend them against a lawsuit...
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