901 N.E.2d 1085 (2005)
358 Ill. App. 3d 1177
EL GALLO DE ORO, INC.
No. 1-04-2662.
EL GALLO DE ORO, INC.
v.
AMERICAN FIRE & CAS. INS. CO.
No. 1-04-2662.
Appellate Court of Illinois, First District
July 27, 2005.Aff'd & rem.