( May 7, 2025, 1:17 PM EDT) -- TRENTON, N.J. — A panel of the New Jersey Superior Court Appellate Division, in applying Massachusetts law, affirmed a trial court’s use of a time-on-the-risk allocation method to determine the amount owed by an umbrella insurer to an insured for environmental contamination remediation costs after determining that the trial court correctly applied the proper Massachusetts precedent that sets forth allocation requirements under Massachusetts law....