LAKELAND, Fla. - A Florida appeals panel on Oct. 4 reversed and remanded a lower court's finding that a commercial general liability insurer has a duty to defend and indemnify its insureds against negligence claims stemming from a wrongful death (Essex Insurance Co. v. Integrated Drainage Solutions, Inc., et al., No. 2D12-3146, Fla. App., 2nd Dist.; 2013 Fla. App. LEXIS).