STATE OF MINNESOTA

IN COURT OF APPEALS

C4-01-1666

Cincinnati Insurance Company,

Appellant,

vs.

Francine Franck, et al.,

Respondents,

John Penniston, et al.,

Respondents.

Filed May 14, 2002

Affirmed

Huspeni, Judge*

Dissenting, Shumaker, Judge

Olmsted County District Court

File No. C9993840

Peter C. Sandberg, Kari C. Stonelake-Hopkins, Dunlap & Seeger, P.A., 505 Marquette Bank Building, P.O. Box 549, Rochester, MN 55903 (for appellant)

Paul R. Dahlberg, Meshbesher & Spence, Ltd., 21 Second Street Southwest, Suite 250, Rochester, MN 55902 (for respondents Franck)

Scott R. Suter, Sawicki & Phelps, P.A., 1811 Weir Drive, Suite 275, Woodbury, MN 55125-2201 (for respondents Penniston and AMICA Mutual Insurance Co.)