According to the complaint, Dollar Tree entered into a Product Supply Agreement with Zephyr Solutions LLC on December 20, 2019. Zephyr agreed to supply helium products and high-pressure cylinders for use in Dollar Tree stores. The agreement required Zephyr to procure insurance, including commercial general liability coverage, naming Dollar Tree as an additional insured. Zephyr purchased a policy from Cincinnati Insurance Company, Policy No. EPP0567788, which, according to a certificate of insurance provided by Zephyr’s broker, Althans Insurance Agency, Inc., included $1 million in personal injury coverage, $2 million in products liability coverage, and $2 million in umbrella coverage for