Coverage Cafe

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  In the Course of Employment: Examining WC Law

  By David D. Thamann  |  January 10, 2013

  As a rule, in order for Workers’ Comp benefits to apply, injury to an employee must “arise out of and in the course of employment.” So, what does this phrase mean?

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  Bullying: Beyond the Schoolyard

  By Christine G. Barlow  |  December 20, 2012

  Facebook, Twitter and other social-media sites have helped the bullying of an individual take on a whole new life of its own.

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  When Dependent Properties Go Dark

  By Susan Massmann  |  November 21, 2012

  Natural disasters often leave many Business Interruption losses in their wake—and Superstorm Sandy will be no different. Businesses that did not sustain damage or were not even closed can still be subjected to losses when companies with which they do business must suspend operations.

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  Coverage Query: Workers' Comp and Meal-Time Injuries

  By Diana B. Reitz, CPCU  |  November 1, 2012

  Will Workers' Comp come to the rescue if an employee is injured during a meal break? FC&S has the answer.

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  Concealed Weapons Can Make for Risky Business

  By David D. Thamann  |  October 23, 2012

  Many states have passed laws allowing citizens to carry concealed weapons, creating liability exposures that the prudent employer will not ignore.

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  A Girl's Best Friend

  By Christine G. Barlow  |  October 11, 2012

  Insuring a diamond ring? Better get an appraisal first to determine whether the stones are mined or lab-created.

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  Multiple Buildings, One Policy: The Vacancy Clause

  By Susan Massmann  |  September 26, 2012

  What happens when you combine multiple buildings insured under one policy with vacancy and theft? The FC&S Experts have the answers.

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  Parking Perils: Garagekeepers and Gunshot Damage

  By Diana B. Reitz, CPCU  |  September 7, 2012

  Most business owners who purchase Garagekeepers Legal Liability insurance are concerned about vandalism or theft—but what happens when the cars in their care are damaged by gunshots?

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  Par for the Course: Golf-Cart Accidents

  By David D. Thamann  |  August 20, 2012

  What happens when the golf cart you're driving runs into—or over—a fellow golfer?

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  Exercise and the Older Worker

  By Christine G. Barlow  |  August 2, 2012

  Obesity plus age could be taking a toll on your workers—and causing them to take longer to return to work following an injury.

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  Pool Perils: When Water Escapes

  By Susan Massmann  |  July 20, 2012

  Swimming pools are perfect for beating the heat, but they can also present some insurance complications.

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  Are Agents Still Important?

  By Diana B. Reitz, CPCU  |  July 9, 2012

  Robust carrier websites that can complete more complicated processes make interaction with agents seem less important, according to an auto-insurance survey by J.D. Power and Associates. But what about agent intervention when problems arise?

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  Are Potential Employers Making Private Info Public?

  By David D. Thamann  |  June 25, 2012

  When an employer "requests" a Facebook username and password from a potential employee and is subsequently sued for violation of privacy, will the Commercial General Liability policy come to the rescue?

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  Texting While Walking

  By Christine G. Barlow  |  June 14, 2012

  A New Jersey town's recent ban on texting while jaywalking created quite an uproar—and could save lives.

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  A Case of Mistaken Delivery

  By Susan Massmann  |  June 7, 2012

  An All Risk Transportation form covers the insured goods until they are unloaded at the destination—but what happens when delivery is interrupted due to a mistake?

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  How Will Penn State Fare Against “Education's Own” ELL Insurer?

  By Diana B. Reitz, CPCU  |  May 31, 2012

  Claims and litigation managers at United Educators, the ELL insurers for Penn State, will have to carefully consider several potential barriers to payments for defense and indemnification.