A crucial question in the fight about the validity of the endorsement Scottsdale Insurance Co. relied on in arguing it wasn’t obligated to defend Chris Carpentry Co. against Jan Bryjak’s tort claim was whether Scottsdale, which added the endorsement when it renewed a commercial general liability policy — without notifying Chris Carpentry that the renewal contained a material modification — satisfied the intricate set of requirements for issuing a “surplus lines” policy in Illinois as an …