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J. Tunheijm partially grants both the insurer and the insured's motions for partial summary judgment in a dispute over coverage for multi-district litigation stemming from an allegedly defective line of forced-air warming systems, used to maintain patients' body temperatures during surgeries. The insurance policies' use of the terms "per occurrence" and "each event" are construed as referring to the design and manufacture of the system, making the insured liable only for a single deductible for each policy period and requiring the insurer to pay costs associated with the defense of claims that are arguably covered by the policies, not the full defense cost of the MDL.