Prepare a memorandum of no less than three pages and no more than five pages to “file” addressing the following:

oA summary of the relevant facts for purposes of coverage determination.

oA discussion of all insurable losses sustained regardless of whether the loss is covered by the policy

oA determination of whether each loss is covered by the policy including an application of the relevant facts to the relevant policy provisions that justify the determination (don’t forget to consider exclusions and conditions)

oA determination of whether there is a duty to defend under the policy including an application of the relevant facts to the relevant policy provisions that justify the determination (don’t forget to consider exclusions and conditions)

Fact pattern is attached

State is MN

Reference page is required