*1 NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court ." Although it is posted on the internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.

SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION DOCKET NO. A-3169-19 JNB RIVERWINDS d/b/a

RIVERWINDS RESTAURANT

and FOTIOS FARMAKIS,

Plaintiffs-Appellants,

v.

NATIONWIDE MUTUAL

INSURANCE CO., NATIONWIDE

MANAGEMENT LIABILITY

AND SPECIALTY CLAIMS,

FREEDOM SPECIALTY

INSURANCE COMPANY,

STARSTONE US SERVICES, INC.,

TORUS NATIONAL INSURANCE

CO., ENSTAR GROUP, LTD, and

RPA INSURANCE SERVICES,

LLC,

Defendants,

and

NATIONAL CASUALTY

INSURANCE COMPANY,

Defendant-Respondent,

______________________________

Submitted June 3, 2021 – Decided July 8, 2021 Before Judges Ostrer, Accurso and Enright.

On appeal from the Superior Court of New Jersey, Law Division, Camden County, Docket No. L-1004-17.

Weir & Partners LLP, attorneys for appellants (Daniel E. Rybeck, on the briefs). Riker Danzig Scherer Hyland & Perretti LLP, attorneys for respondent (Lance J. Kalik, of counsel and on the brief; Jeffrey A. Beer Jr., on the brief).