WEST PALM BEACH, Fla. - A Florida appeals panel on Oct. 30 found that a customer's breach of contract and faulty workmanship claims against an insured are not covered under a commercial general liability insurance policy, reversing and remanding a lower court's finding that the insurer has a duty to defend its insured (Nationwide Mutual Fire Insurance Co. v. Advanced Cooling and Heating, Inc., No. 4D12-257, Fla. App., 4th Dist.; 2013 Fla. App. LEXIS 17208).