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THE SUPREME COURT OF NEW HAMPSHIRE

___________________________

U.S. Court of Appeals for the First Circuit

No. 97-432

ACADIA INSURANCE COMPANY

v.

MICHAEL MCNEIL & a.

May 22, 1998

McLane, Graf, Raulerson & Middleton, of Manchester (Bruce W. Felmly on the brief and orally), and Thacher Proffitt & Wood, of New York, New York (Marilyn L. Lytle on the brief), for the plaintiff.

Burns, Bryant, Hinchey, Cox & Rockefeller, P.A., of Dover (Christine M. Rockefeller on the brief and orally), for defendant Michael McNeil.

Krasner Professional Association, of Farmington (Emmanuel Krasner on the brief and orally), for defendant George McNeil.

Hoch & McHugh, of Boston, Massachusetts (Timothy R. McHugh on the brief), and Shaines & McEachern, of Portsmouth (Robert A. Shaines on the brief), for The American Institute of Marine Underwriters, as amicus curiae.

BROCK, C.J. The United States Court of Appeals for the First Circuit (Selya, J.) has certified to us the following question of law, see Sup. Ct. R. 34, concerning a yacht policy issued by the plaintiff, Acadia Insurance Company:

Does the N.H. Rev. Stat. Ann.