This decision is a well-reasoned application of the rules regarding when extrinsic evidence may or may not be permitted when considering an insurer's duty to defend.
Because that is what 12 randomly selected laypeople are particularly good at: determining the interpretive value of extrinsic evidence in resolving ambiguity in corporate documents.
In such a case, termed a partial integration, the integration rule merely prevents the admission of extrinsic evidence to contradict or vary the written portion of the agreement.
