What happens when an insured accepts settlement on an actual-cash-value basis but later opts to receive the replacement-cost amount?

Standard commercial property and liability insurance covering tangible property generally does not adequately address cyber risks. Here, we discuss coverage for security breaches and identity theft.

A condo owner needs to cover the mortgagee's interest under a Condominium Unit-Owners' policyand turns to the FC&S staff for help.

When ice prevents melting snow from draining properly, leading to interior leaks, will your property policy cover the damage?

Evaluating the latest editions of the ISO commercial property causes of loss forms that contain utility services exclusions that preclude coverage for power or other utility failure that is supplied to a premises.

A secret recipe lost in a fire: Is there coverage?

Business interruption coverage is often difficult to figure out. Take for example, this unique scenario.

Business interruption coverage is often difficult to figure out. Take for example, this unique scenario.