Owens-Illinois/Carter-Wallace Revisited: N.J. Court Addresses Allocation Yet Again

Determining precisely when property damage or personal injury occurred in a case involving exposure to chemicals or other toxic substances can be extremely difficult, if not impossible.  In most cases, the acts or practices giving rise to potential liability occurred decades before the injuries manifested themselves.  It is often the case that a commercial insured… Continue reading Owens-Illinois/Carter-Wallace Revisited: N.J. Court Addresses Allocation Yet Again

N.J. Appellate Division Holds that Certificate of Insurance is Essentially Worthless

It is not uncommon for an insured to ask its insurance broker to add a third-party as an additional insured under its insurance policies.  This happens most frequently in connection with construction contracts and lease agreement.  Typically, the broker will issue a “certificate of insurance” that lists the third-party as an additional insured under the… Continue reading N.J. Appellate Division Holds that Certificate of Insurance is Essentially Worthless