In insurance coverage dispute arising out of claims of bodily injury from exposure to asbestos-contaminated vermiculite from BNSF's operations at loading facility, the appellate court held that summary judgment evidence established duty to defend under premises-operations coverage and did not conclusively establish applicability of completed-operations exclusion, further holding trial court also correctly determined that there was a single accident or occurrence using the cause test applied by Texas courts, and Zurich failed to meet its burden to establish a right to recoup defense costs.
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