Dynasty, Inc. v. Princeton Insurance

The opinion of the Court was delivered by

VERNIERO, J.

In this insurance litigation, plaintiff seeks payment from defendant insurer for the loss of plaintiffs commercial premises. The *4Appellate Division upheld the jury’s verdict in favor of plaintiff. The sole issue before this Court is whether the trial court adequately instructed the jury. We hold that the trial court committed reversible error by failing to give an “increase-of-hazard” instruction. That instruction would have informed the jury that defendant could not be found liable for the loss if the fire hazard was increased by any means…