Peterson’s was covered by a series of commercial general liability policies from United States Fire Insurance Company and The North River Insurance Company between 2011 and 2016. These policies covered property damage caused by an “occurrence,” defined as an “accident, including continuous or repeated exposure to substantially the same general harmful conditions.” Each policy included a $1 million per occurrence limit, a $2 million aggregate limit, and a “Failure to Supply” endorsement capping certain losses at $250,000 per year. Umbrella liability policies from The North River Insurance Company provided additional coverage, but excluded property damage from a failure to “adequately