MEMORANDUM OPINION
NORMAN K. MOON, District Judge.
This case comes before the Court upon the parties' cross motions for summary judgment (dockets nos. 39 and 42), filed on January 31, 2014. Liberty University, Inc. ("Plaintiff" or "Liberty") filed this action, seeking a declaration from this Court that Citizens Insurance Company of America, Hanover American Insurance Company, and Hanover Insurance Company (collectively, "Defendants" or "Hanover")...
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