483 F.3d 239 STUDIO FRAMES LTD., d/b/a Somerhill Gallery, Plaintiff-Appellee,v.The STANDARD FIRE INSURANCE COMPANY, Defendant-Appellant, andVillage Insurance Agency, Incorporated; Business Insurers of the Carolinas, LLC; Philip D. Pearsall; Travelers Property Casualty Insurance Company, Defendants.Studio Frames Ltd., d/b/a Somerhill Gallery, Plaintiff-Appellant,v.The Standard Fire Insurance Company, Defendant-Appellee, andVillage Insurance Agency, Incorporated; Business Insurers of the Carolinas, LLC; […]