SANTA ANA, Calif. - A California appeals panel found June 17 that a lower court erred in finding that an insurance policy's intra-insured claims exclusion defeats an insurer's duty to defend an underlying lawsuit stemming from the termination of a licensing agreement involving a hotel franchise (Bann-Shiang Liza Yu v. Sequoia Insurance Co., No. G046603 consolidated with G046698, Calif. App., 4th Dist., Div. 3; 2014 Cal. App. Unpub. LEXIS 4308).