Property Owners Insurance (POI) was the insurer and Thomas Cope was the insured under a business liability insurance contract for Cope’s roofing business. The policy excluded coverage except in instances of liability “with respect to the conduct of the business” owned by Cope. While the policy was in force, Cope traveled to Montana with Urbanski, a person with whom Cope did significant business. While on this trip, Cope snowmobiled with a group of persons that included Gregory Johnson, who died in a snowmobiling accident. When Johnson’s estate brought a wrongful death suit against Cope, POI argued that it had no obligations under the business liability insurance contract because the accident did not occur with respect to Cope’s business. Should the court give POI a summary judgment because, as a matter of law, the insurance company has no liability for this claim?