This declaratory judgment action concerns an insurance coverage dispute between Utah Home Fire Insurance Company (Utah Home) and its insured, Silverball Amusement, Inc. (Silverball). Utah Home appeals the ruling of the district court. Silverball Amusement, Inc. v. Utah Home Fire Ins. Co., 842 F.Supp. 1151 (W.D.Ark. 1994). Having carefully reviewed the case and having considered de novo the disputed issues of Arkansas law, we conclude that Utah Home has an obligation to defend and indemnify its insured in a lawsuit brought against Silver-ball by Sandra J. Cole as guardian, custodial parent, and next friend of Jessica Dawn Cole, a minor. The district court thoroughly addressed the issues in a well-reasoned opinion, and we agree with the district court’s conclusions. Accordingly, we affirm the decision of the district court without further discussion. See 8th Cir.R. 47B.