Charter Oak Insurance v. Maglio Fresh Food

*463 MEMORANDUM RE CONCLUSIONS OF LAW AND VERDICT

BAYLSON, District Judge.

I. Introduction

This complex insurance dispute involves claims between Maglio Fresh Food (“Mag-lio”) and its insurers, Charter Oak Insurance Company (“Charter Oak”), the primary insurer, and American Guarantee Liability and Insurance Company (“American Guarantee”), the excess insurer.1

Upon agreement of the parties, this Court first decided the issue of the insurers’ duty to indemnify Maglio for damages resulting from two distinct claims and two adverse jury verdicts in the underlying action brought by Maglio’s competitor,…