Cobblestone Lofts, facing significant liability, sought a declaration that Great American was required to provide coverage under its policy. Great American denied the claim, issuing a “direct, definitive notice” that stated “a breach of contract is not an accident and, therefore, does not constitute an ‘occurrence’ under the Primary Policy or Umbrella Policy,” and that the “Primary Policy excludes coverage for breach of contract.” Great American advised Cobblestone Lofts that it would close its file on the matter.