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121752P.pdf   08/29/2013  Land O'Lakes, Inc.  v.  Employers Insurance Company
   U.S. Court of Appeals Case No:  12-1752
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Smith, Author, with Melloy and Benton, Circuit Judges] 
   Civil case - Insurance. District court did not err in concluding that a 
   letter the EPA sent the insured in 2011 informing it that the EPA 
   considered it a Potentially Responsible Party in connection with an 
   environmental cleanup constituted a suit for purposes of determining 
   whether the insured's breach of contract action against the insurer was 
   barred by the applicable statute of limitations; the insured's costs to 
   remediate the site fall within the "owned-property" exclusion in the 
   policy at issue.