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On appeal, Maxum argued that it owed no duty to defend Massaro because the policy's employer's liability and workers' compensation exclusions barred coverage. (Photo: Shutterstock) On appeal, Maxum argued that it owed no duty to defend Massaro because the policy’s employer’s liability and workers’ compensation exclusions barred coverage. (Photo: Shutterstock)

An insurer may have to indemnify the owner of a plumbing company in a wrongful death lawsuit filed by the estate of a worker after a three-judge panel of 11th U.S. Circuit Court of Appeals reversed a district court’s decision that the company’s liability and workers’ compensation policy exclusions barred coverage of those claims.

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