Eagleeye wrote:The Linen Company that picks up the linen from the hospital and sends off to a 3rd party to clean is the insured.

That fact helps.

It turns on the policy language and fact allegations of the 3d party, as you know. Make sure you do a policy audit of the forms, endorsements, etc. I do not believe that the exclusion would preclude the duty to defend from attaching. I also do not think the purpose of the bacteria exclusion was inte...