[brief] .....................................................................................38 - **Cont’l Ins. Co. v. Honeywell Int’l, Inc.,** 234 N.J. 23, 188 A.3d 297 (2017) ..........................................................20, 46 - **Cont’l Ins. Cos. v. Ne. Pharm. & Chem. Co.,** 842 F.2d 977 (8th Cir. 1988) ..................................................................37 - **Cooper v. Myer,** 183 Vt. 561, 944 A.2d 915 (Vt. 2008)  ......................................................24 - **Cypress Point Condo. Ass’n, Inc. v. Adria Towers, L.L.C.,** 226 N.J. 403, 143 A.3d 273 (2016) .........................................................40 - **Davis v. Brickman Landscaping, Ltd.,** 219 N.J. 395, 98 A.3d 1173 (2014) .........................................................20 Delmonte v. State Farm Fire Cas. Co., 975 P.2d 1159 (Haw. 1999) .................................................................22  Fireman's Fund Ins. Co. v. Security Ins. Co. of Hartford, 72 N.J. 63, 367 A.2d 864 (1976) .........................................................47 Fleury v. Kessel/Duff Constr. Co., 149 Vt. 360, 543 A.2d 703 (Vt. 1988) ..................................................36 Gerrish Corp. v. Universal Underwriters Ins., 754 F. Supp. 358 (D. Vt. 1991) .........................................................43 Giannakopoulos v. Mid State Mall, 438 N.J. Super. 595, 106 A.3d 507 (App. Div. 2014) ..............................19 Griggs v. Bertram, 88 N.J. 347, 443 A.2d 163 (1982) .....................................................35, 46, 47 Hardwick Recycling & Salvage, Inc. v. Acadia Ins. Co., 177 Vt. 421, 869 A.2d 82 (2004) .......................................................37, 38, 41 Hollybrook Cottonseed Processing, L.L.C. v. Am. Guar. & Liab. Ins. Co., 772 F.3d 1031 (5th Cir. 2014)  ............................................................38  Hyatt Corp. v. Occidental Fire & Cas. Co. of N.C., 801 S.W.2d 382 (Mo. Ct. App. 1990) ..................................................38  In re Estate of Lash, 169 N.J. 20, 776 A.2d 765 (2001)  .......................................................36  L S Roofing v. St. Paul Fire Marine, 521 So. 2d 1298 (Ala. 1988)  ................................................................34  Mazzilli v. Acc. & Cas. Co. of Winterthur, Switz., 35 N.J. 1, 170 A.2d 800 (1961)  ............................................................40  Morton Int’l, Inc. v. Gen. Accident Ins. Co. of Am., 134 N.J. 1, 629 A.2d 831 (1993)  ...........................................................37, 38 Murphy v. Stowe Club Highlands, 171 Vt. 144, 761 A.2d 688 (2000) .......................................................40, 41 Neal-Pettit v. Lahman, 928 N.E.2d 421 (Ohio 2010) ...............................................................39 O’Dowd v. American Sur. Co. of N.Y., 3 N.Y.2d 347, 165 N.Y.S.2d 458, 144 N.E.2d (1944).................................33  Pac. Ins. Co. v. Burnet Title, Inc., 380 F.3d 1061 (8th Cir. 2004) .........................................................39  Passaic Valley Sewerage Comm’rs v. St. Paul Fire & Marine Ins. Co., 206 N.J. 596, 21 A.3d 1151 (2011)  ......................................................35, 46 Petersen v. Twp. of Raritan, 418 N.J. Super. 125, 12 A.3d 250 (App. Div. 2011) ...............................20 Peyton v. William C. Peyton Corp., 8 A.2d 89 (Del. 1939)...........................................................................41 Pharmacists Mut. Ins. Co. v. Myer, 187 Vt. 323, 993 A.2d 413 (2010).........................................................passim Pickett v. Lloyd’s, 131 N.J. 457, 621 A.2d 445 (1993) .......................................................34, 42 Princeton Ins. Co. v. Chunmuang, 151 N.J. 80, 698 A.2d 9 (1997) ............................................................43 R.L. Vallee v. A. International Specialty Lines Insurance, 431 F. Supp. 2d 428 (D. Vt. 2006) .......................................................29, 36, 47 Rainforest Chocolate, LLC v. Sentinel Ins. Co., 209 Vt. 232, 204 A.3d 1109 (Vt. 2018) ..................................................40 SL Indus., Inc. v. Am. Motorists Ins. Co., 128 N.J. 188, 607 A.2d 1266 (1992).......................................................29 Sokolowski on Behalf of M.M. & P. Pension Plan v. Aetna Life & Cas. Co., 670 F. Supp. 1199 (S.D.N.Y. 1987).....................................................39 Solomon v. Atl. Dev., Inc., 147 Vt. 349, 516 A.2d 132 (1986).........................................................31 State Farm Mut. Auto. Ins. Co. v. Colby, 194 Vt. 532, 82 A.3d 1174 (2013).........................................................26