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An umbrella commercial liability brought an action seeking a declaratory judgment that it owed no coverage for a bodily injury claim filed against property owners by an employee of the lessee under the lessee’s umbrella policy that named the owners as additional insureds. This case is Mutual Benefit Insurance Company v. Politsopoulos, 115 A.3d 844 (2015).

Leola Restaurant maintained an umbrella commercial liability insurance policy with Mutual Benefit Insurance Company. The restaurant conducted its business on a property leased from Politsopoulos. The lease required the property owners to be named as additional insureds on the liability policy.

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