MURPHY OIL USA, INC., Appellant, v. UNIGARD SECURITY INSURANCE COMPANY and Employers’ Surplus Lines Insurance Company, Appellees, Employers’ Surplus Lines Insurance Company, Cross-Appellant, Murphy Oil USA, Inc.; United States Fidelity Guaranty Company, Cross-Appellees 00-1408 61 S.W.3d 807Supreme Court of Arkansas. Opinion Delivered December 6, 2001 [Petition for rehearing denied January 10, 2002.] 1. Insurance — […]