Ryder/P.I.E. Nationwide, Inc. v. Harbor Bay Corp.

The opinion of the Court was delivered by

GARIBALDI, J.

This appeal presents a narrow question regarding the coverage obligations of a company self-insured under N.J.S.A. 39:6-52. Specifically, the issue is whether a self-insurer’s coverage obligation to an additional insured during a “loading and unloading” accident is limited to the minimum amounts of compulsory insurance mandated by N.J.S.A. 39:6B-1.

Our analysis has two considerations. We first examine an insurer’s obligation to provide coverage to an additional insured in a loading and unloading accident in the context of a liability…