In insurance coverage dispute over insurer's duty to defend plantiffs in several personal injury actions arising from the operation of an oil and gas production facility adjacent to Beverly Hills High School, summary judgment for insurer is reversed as: 1) the law of California governs the interpretation of the policy; 2) the policy includes a contractual duty to defend; and 3) the facts alleged in the underlying complaints were sufficient to create a potential for coverage giving rise to a duty to defend.