PHIPPS, Judge.
These consolidated appeals involve a claim and counterclaim for declaratory judgment to determine the liabilities of State Farm Fire and Casualty Company under two insurance policies issued to Big B Cleaners of Dalton, Inc., the "Umbrella Policy" and the "Business Policy." The cleaners and its officers, Sharad "Sam" Desai and Anil Naik (collectively, "Big B"), were sued in a separate action by Walnut Avenue Partners, LLC ("Walnut") for damages allegedly...
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