OGORMAN & YOUNG, INCORPORATED, A CORPORATION OF THE STATE OF NEW JERSEY, APPELLANT, v. PHOENIX ASSURANCE COMPANY, LIMITED, OF LONDON, A CORPORATION OF GREAT BRITAIN, RESPONDENT; OGORMAN & YOUNG, INCORPORATED, A CORPORATION OF THE STATE OF NEW JERSEY, APPELLANT, v. HARTFORD FIRE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, A CORPORATION OF THE STATE OF CONNECTICUT, RESPONDENT