Dist. Ct. did not err in entering judgment in plaintiff-insurance company’s favor in action seeking declaration that its primary and excess policies provided only $1,250,000 in coverage in underlying wrongful death action against defendant-insured that resulted in $4 million settlement on allegations that insured placed 3-year-old foster child with individual who killed said child one year later. While both parties agreed that primary policy provided $1 million in coverage, defendant argued that excess policy provided additional $5 million in coverage. However, Dist. Ct. could properly find that policy contained sublimit of $250,000 for physical abuse claims, and that said sublimit applied to underlying wrongful death action.