FC&S Expert Coverage Interpretation

FC&S Expert Coverage Interpretation is an authoritative and widely cited insurance reference solution that provides information and interpretations on property & casualty coverage in an unbiased manner.

Same Damage, New Claim

July 07, 2020 | Discussion

Same claim reported twice.
State Insurance Departments COVID-19 Update – Interactive Map

July 07, 2020 | Core Article Library;Discussion

Updated daily, provides an overview of the ISO optional endorsements providing business interruption coverage for COVID-19 disruptions and constant updates from insurance departments as they issue bulletins.
Innovations in Claims

July 06, 2020 | Core Article Library;Discussion

Discusses industry innovations in claims services over the past decade through the digital transformation of claims.
Leased Worker or Temporary Worker

July 06, 2020 | Other Programs

Discusses whether a worker from a temporary staffing company is a leased worker or a temporary worker when working for a manufacturer in a position described as temporary to permanent.
Going to Bat for Minor League Baseball in COVID Insurance Fight

July 02, 2020 | Historical Lit Watch

Due to the nature of the MiLB/MLB relationship, this case could potentially bring forth arguments above and beyond whether the insured has to prove actual property loss or damage.
Faulty Workmanship and Ensuing Loss

June 29, 2020 | Questions & Answers

Discusses the faulty workmanship exclusion and an exception.
Commercial Auto Hacking Expense Coverage – Advanced Notice

June 29, 2020 | Contract Analysis;Endorsements;ISO Programs

Discusses and analyzes the ISO Auto Hacking Expense Coverage endorsement, which is being provided in advance of its filing or release.
Contractor Creates Own Certificate

June 29, 2020 | Discussion

Fraudulent insurance certificates are taken seriously by state of Georgia.
Will Insurer Have to Indemnify Company Owner in Wrongful Death Suit?

June 26, 2020 | Historical Lit Watch

The courts thus far have disagreed.
Marijuana Legalization by State 2020

June 24, 2020 | Charts;Core Article Library

This chart presents the current status of legalization of cannabis for medical or recreational purposes throughout the states.

Answering Questions about Contracts and 'force majeure' in the Age of Coronavirus

June 24, 2020 | Core Article Library;Discussion

A new ebook from ALM's Law Journal Press addresses clients' concerns about the enforceability of contracts in the wake of COVID-19.
ISO Commercial Property and Businessowners Mandatory Cyber Incident Exclusion Endorsements Analysis

June 22, 2020 | Contract Analysis;ISO Programs

Discusses and analyzes mandatory ISO cyber incident exclusions applicable to commercial property coverages, with a proposed effective date of 12/1/2020.
Dog Walker Saves the Day

June 22, 2020 | Discussion

A dog walker alerted authorities to a burning building where the fire was intentionally set.
When the Cause of Loss isn't a Named Peril

June 22, 2020 | Questions & Answers

Discusses a loss on an HO 00 01 form.
New Georgia Ruling on Lunch Break Injury and Workers' Comp.

June 19, 2020 | Historical Lit Watch

The Court found that although an employee was injured during an unpaid, scheduled lunch, workers' compensation still applied.
COVID-19 Vacancy Alert

June 17, 2020 | Discussion

This guest column by Ethan Gross, JD of Globe Midwest Adjusters International discusses COVID-19 and vacancy issues.
Theft by Conversion leads to Revoked License

June 15, 2020 | Discussion

An adjuster swindles consumers and contractors.
What is Parametric Insurance and Why Should We Care?

June 15, 2020 | Core Article Library;Discussion;Other Programs

This discussion provides an explanation of parametric insurance and how it might be used in the industry.
Insurance Coverage Q&A: Dam Breakage and Dry Wells

June 15, 2020 | Questions & Answers

Discusses loss of well water due to dam flooding lake.
Michigan Dam Owners Sued

June 14, 2020 | Historical Lit Watch

Several defendants have been slapped with a class-action suit after two Michigan dams were breached in May.

Cyber Insurance Risk Assessments Amid The Coronavirus Pandemic

June 09, 2020 | Discussion;Other Programs

Discusses changes in cyber insurance risk assessments since the convergence of the coronavirus pandemic and the shift to work-from-home.
Selling Insurance without a License

June 08, 2020 | Discussion

Producer with revoked license continues to accept funds.
Insurance Coverage Q&A: A newly purchased building, renovations, COVID-19 and theft

June 08, 2020 | ISO Programs;Questions & Answers

A perfect storm converged on this insured who was in the process of building renovations when COVID-19 hit, and while shutdown a theft occurred. Was his building vacant?
$400k Worth of Wine Rendered Worthless During Delivery, Says Insurer

June 07, 2020 | Historical Lit Watch

Federal Insurance Co., a subsidiary of Chubb Limited, has filed a complaint in federal court last week suing a logistics provider, Connoisseur International…
Dog Sitter or Dog Owner, Whose Policy Covers?

June 02, 2020 | Questions & Answers

Discusses a dog bite on the dog sitter's property.
Insurance Coverage Questions and Answers on Flood

June 01, 2020 | Questions & Answers

A selection of flood related questions and answers.
It's Contractor Fraud Season

June 01, 2020 | Discussion

Briefly describes roof fraud.
Riots and Loss of Business Income

June 01, 2020 | Core Article Library;Discussion;ISO Programs

Discusses business income loss triggered by riots and civil disturbances, and when coverage would apply.
Connecticut Car Crash Victims Win $1.1 Million Settlement

June 01, 2020 | Historical Lit Watch

The settlement was paid via Geico Insurance Co., the carrier for the defendants.
CP 00 10 10 12 Building and Personal Property Coverage Form

June 01, 2020 | Form;ISO Programs

Building and Personal Property Coverage Form, October 2012 edition. The basic commercial property form.

NFIP Dwelling Form

June 01, 2020 | Contract Analysis

This article explains the 2010 NFIP dwelling form.
Overview of the NFIP Program

June 01, 2020

Summary: The National Flood Insurance Program (NFIP), created by the National Flood Insurance Act (NFIA) of 1968 and administered by the Federal Emergency…
Riot or Civil Commotion Coverage

May 31, 2020 | Core Article Library;Discussion

This article discusses riots and civil commotion, coverage and court cases.
Riots and Insurance Fraud

May 31, 2020 | Core Article Library;Discussion

This article discusses possible insurance fraud that could stem from riot damages.
Insurance Bills Related to COVID-19 and Business Interruption Coverage

May 29, 2020 | Discussion

This article tracks bills being filed by states requiring carriers to provide business interruption coverage that is not in policy language. This is updated regularly.
Your Office Has Reopened. Are You Liable if Someone Catches COVID-19?

May 29, 2020 | Core Article Library;Discussion

This article is reprinted from GlobeSt. com, and addresses liability issues as offices start to reopen.
Preparing for Disaster – A Checklist

May 27, 2020 | Checklist;Core Article Library

Checklists to use as wildfire and hurricane season approach.
Disaster Preparedness amidst COVID-19

May 27, 2020 | Core Article Library;Discussion

Discussing disaster preparedness in the midst of COVID-19.
Insurance Coverage Q&A: Water – Covered or Not?

May 26, 2020 | Questions & Answers

Is an insured's loss of water from a leak a covered loss?
Court Opinion Finds COVID-19 Qualifies as a Natural Disaster

May 25, 2020 | Historical Lit Watch

A Pennsylvania Supreme Court Decision may help policyholders seeking claims coverage for COVID-19 losses.

Insurance Coverage Q&A: FC&S Coronavirus Questions & Answers

May 25, 2020 | Questions & Answers

Accumulated questions from subscribers related to COVID-19 and coronavirus.
Bambi Gets Falsely Accused

May 25, 2020 | Questions & Answers

Insured blames deer for preexisting damage to vehicle.
Hurricane Categories 1-5

May 21, 2020 | Core Article Library;Discussion

Explains the various hurricane categories and the damages they can do.
After A Hurricane: Comprehensive or Collision, and Buying Used Cars

May 21, 2020 | Core Article Library;Discussion

Discusses losses to vehicles due to flooding.
Insurance Dictionary

May 21, 2020 | Core Article Library;Discussion;Glossary

This glossary serves as a resource of various insurance terms and concepts.
When Fugitive Friday Bingo Pays Off

May 18, 2020 | Discussion

Fraud of the Week Auto Fraud – Florida $45,000 potential The head of the management company for Flagler Beach Golf Course in Florida has been charged…
New Side Effect of COVID-19 – Excessive Speed

May 18, 2020 | Discussion

Discusses changes in traffic behavior with states under stay-at-home orders.
Insurance Coverage Q&A: A Question of Risk Classification

May 18, 2020 | Questions & Answers

This question reveals the importance of properly classifying a risk based on its entire operations.
Bicycle and Golf Cart Deliveries

May 18, 2020 | Discussion

Discusses the exposures and protections to consider when businesses use bicycles or golf carts to make deliveries.
4 Maneras de Ayudar a los Dueños de Viviendas Evitar Reclamaciones de Seguros

May 15, 2020 | Discussion

Los agentes pueden usar esta información para ayudar dueños de viviendas a navegar los riesgos y manejar aquellos que no pueden prevenir.

$30M Suit Filed Between Insurance Competitors for Employee 'Poaching'

May 15, 2020 | Historical Lit Watch

Applied Underwriters' Centauri has been granted expedited discovery for this claim.
La Responsabilidad de los Agentes Independientes Ante los Conductores Distraídos

May 14, 2020 | Discussion

¿Cómo pueden los agentes y corredores ayudar a mantener los clientes seguro y prevenir comportamiento de conducier peligrosa?
Sweeping Benefits under California's State Compensation Insurance Fund - Corrected

May 12, 2020 |

Discusses new COVID-19 benefits under California State Compensation Insurance Fund.
Not Even COVID is Safe from Fraud

May 11, 2020 | Discussion

Discusses Delaware coalition developed against COVID-19 scams.
Insurance Coverage Q&A: Does Civil Authority Coverage Apply When Policy Covers Viruses?

May 11, 2020 | Other Programs;Questions & Answers

Insured has a policy covering viruses for specified causes of loss and questions if the civil authority coverage will also apply.
Introduction to ISO Micro-Businessowners Program

May 11, 2020 | Contract Analysis;ISO Programs

Effective 4/1/2020, ISO has introduced a new multistate program designed for micro-businesses, so named for their size eligibility of 0-4 employees and maximum annual sales of $500,000. Here we will discuss the eligibility criteria and provide an overview of the new product.
Florida's Correctional Officer Presumption and Olympic Level Training

May 08, 2020 | Historical Lit Watch

The correctional officer was participating in Olympic level training prior to the onset of his heart condition.
Cases Spurred by the COVID-19 Pandemic

May 05, 2020 | Charts;Core Article Library;Discussion;Historical Lit Watch

While most of these cases have to do with business interruption and the virus exclusion, there are a couple of outliers. This article was adapted from ICLC, Insurance Coverage Law Center.
Debris Removal Coverage

May 05, 2020 | Contract Analysis;Core Article Library;Discussion;ISO Programs

Discusses the Debris Removal Coverage under the ISO Causes of Loss Special Form and related optional endorsements.
Buying Insurance after a Loss

May 04, 2020 | Discussion

When you don't have insurance until after the loss.

Insurance Coverage Q&A: CGL or Construction Defect Claim?

May 04, 2020 | Questions & Answers

Questions whether an electrical contractor's installation of heat tape on a roof is a CGL or construction defect claim.
Employers Beware of Potential COVID-19 Claims

May 04, 2020 | Core Article Library;Discussion

Discusses potential claims for employers arising out of the coronavirus exposure in the work environment.
8th Circuit: Coverage Not Barred, Despite Faulty Workmanship

May 04, 2020 | Historical Lit Watch

The 8th Circuit determined that the faulty workmanship exclusion did not apply, despite the occurrence of faulty workmanship on the roof panels in question.
Coronavirus Pandemic Resources

May 01, 2020 | Core Article Library;Discussion

A list of resources from FC&S and others regarding information for the COVID-19 outbreak, updated as we add new content.
Drones in a COVID-19 World

April 27, 2020 | Core Article Library;Discussion

Discusses various ways drones can be used to combat the coronavirus.
When You Can't Hold on to your Wedding Rings

April 27, 2020 | Discussion

Case where insured lost wedding rings on a regular basis.
PA Supreme: Does Coverage Apply for Allegations of Unintentional Shooting

April 23, 2020 | Historical Lit Watch

An attorney who represented United Policyholders as amicus curiae in this matter provides an analysis of a decision that reaffirms PA's broad duty to defend.
OSHA Issues COVID-19 Safety Guidance for Manufacturers

April 20, 2020 | Checklist;Discussion

OSHA guideance for keeping manufacturing workers safe from the exposures of the coronavirus COVID-19.
When COVID-19 Infects the Financial Markets

April 20, 2020 | Core Article Library;Discussion

Discusses how the virus effects carriers' investments and the Pandemic Cat Bond.
Insurance Coverage Q&A: Your Home and Viruses – Is there Coverage for Clean-up?

April 20, 2020 | Questions & Answers

Discusses clean-up of a dwelling when COVID-19 has been brought into the residence.

It's Never Good to Threaten the Deputy

April 20, 2020 | Discussion

After being discovered in trying to file a fraudulent insurance claim, the insured gets arrested for threatening the deputy.
Pandemic Checklist

April 17, 2020 | Checklist;Core Article Library

This chart identifies recommended steps to take in order to help prevent and cope with the spread of a potential pandemic virus.
Residence Premises Definition Endorsements

April 17, 2020 | Contract Analysis;Endorsements;ISO Programs

Residence Premises Definition Endorsements Reviewed 4/17/2020 Summary: ISO has developed several new endorsements for the homeowners program that…
Will there be a Pandemic Version of TRIA?

April 16, 2020 | Core Article Library;Discussion

Discusses proposed ways to fund the business interruption and other losses stemming from the COVID-19 pandemic.
The Case that Keeps on Giving: Montrose v. The California Supreme Court

April 16, 2020 | Historical Lit Watch

After 31 years of litigation, the California Supreme Court has finally issued what has been deemed another groundbreaking ruling.
OSHA Issues Interim Enforcement Response Plan for Coronavirus

April 15, 2020 | Discussion

Introduction of new OSHA interim response plan providing instructions and guidance for handling coronavirus-related complaints, referrals, and severe illness reports.
Phony Pop-up Testing

April 14, 2020 | Core Article Library;Discussion

Fraud related to COVID-19 testing.
Can Moonlighting Officer's Widow Get Survivor Benefits?

April 13, 2020 | Historical Lit Watch

After 15 years and alternating decisions at every level of litigation; is a drive home in your cop car "within the scope and course of employment?"
COVID-19: Threats Abound: How to Protect Your Remote Workforce

April 13, 2020 | Best Practices

The COVID-19 pandemic has changed the conversation around remote work. As more employees work remotely, law firms must employ security best practices to ensure that the extended reliance on the cloud doesn't expose sensitive data or cripple daily operations. Following is a practical checklist of systems, technologies and processes to consider when evolving your firm for remote work and selecting your cloud technology provider.
Coronavirus and ALE

April 13, 2020 | Questions & Answers

This questions discusses ALE issues when stay at home orders are in place and people risk being exposed to coronavirus.

Coronavirus Fraud Warnings from the Coalition against Insurance Fraud

April 13, 2020 | Discussion

Discusses possible frauds related to coronavirus.
Personal Auto Limited Delivery Coverage Relating to Coronavirus Form Analysis

April 09, 2020 | Contract Analysis

Analysis of advisory, unfiled endorsement providing delivery coverage for personal autos during civil authority orders.
Advisory Limited Delivery Coverage Relating to Coronavirus Endorsement

April 07, 2020 | Form

Advisory Limited Delivery Coverage Relating to Coronavirus Personal Auto Endorsement providing coverage for delivery of food/goods during civil authority shut down due to Coronavirus.
Tabletop Exercises – Preparing for Disaster

April 06, 2020 | Core Article Library;Discussion

Provides access to tabletop drills for pandemics and other disasters.
CORRECTED New York Coronavirus BI CP 0 017 03 20

April 06, 2020 | Form

Corrected New York Coronavirus - Business Interruption and Related Coverages Advisory Notice to Policyholders CP 0 017 03 20
COVID-19 Frauds

April 06, 2020 | Discussion

Discusses a number of fraud attempts reported in Georgia.
Are E-bikes Motor Vehicles?

April 06, 2020 | Questions & Answers

Discusses motor vehicles and e-bikes.
CORRECTED Coronavirus Advisory to Policyholders CP P 018 03 20

April 06, 2020 | Form

CORRECTED Coronavirus Advisory to Policyholders CP P 018 03 20
Capital Assets Program (Output) Coronavirus Advisory Notice to Policyholders OP P 017 03 20

April 06, 2020 | Form

Capital Assets Program (Output) Coronavirus Advisory Notice to Policyholders OP P 017 03 20
BOP COVID Advisory Notice BP P 026 03 20

April 03, 2020 | Form

BOP COVID Advisory Notice BP P 026 03 20. Advisory notice to policyholders advising of virus exclusion and how covered causes of loss, business interruption, civil authority and other coverages do or do not provide coverage.

Agricultural Cap Assets COVID Advisory Notice AG P 008 03 20

April 03, 2020 | Form

Agricultural Cap Assets COVID Advisory Notice AG P 008 03 20 advisory notice to insureds explaining virus exclusion and how business interruption, civil authority, covered causes of loss and other policy sections do or do not provide coverage.
COVID-19: How to Manage your Personal Automobile

April 02, 2020 | Discussion

Follow these safety tips to stay safe on the roads during the pandemic and minimize your risk of picking up the virus. This article was first published on PC360 with additions from FC&S editors.
COVID-19: Threats Abound: How to Protect Your Remote Workforce

April 01, 2020 | Features

The COVID-19 pandemic has changed the conversation around remote work. As more employees work remotely, law firms must employ security best practices to ensure that the extended reliance on the cloud doesn't expose sensitive data or cripple daily operations. Following is a practical checklist of systems, technologies and processes to consider when evolving your firm for remote work and selecting your cloud technology provider.
Insurance Coverage Q&A: Theft of Property within a Fence

March 30, 2020 | Questions & Answers

Discusses status of chain link fence as a building or a structure.
Work From Home Cybersecurity Exposures

March 26, 2020 | Core Article Library;Discussion

With thousands of employees moved to a home-based work environment, cybersecurity exposures are lurking. Employers may need to ramp up their security training and VPN networks.
Insurer Can't Avoid Defending Salon in Biometrics Suit

March 25, 2020 | Historical Lit Watch

An Illinois court has found that an insurer must defend an insured for sending a client's fingerprints to a third-party vendor in a violation of the BIPA.
Two Tribes Seek Ruling for Business Interruption Coverage

March 25, 2020 | Historical Lit Watch

Suits filed by two Indian nations seek judicial rulings that financial losses to casinos due to COVID-19 are covered by business interruption.
Coronavirus Work-from-Home Response a Boon for Cybercriminal exploitation

March 24, 2020 | Core Article Library;Discussion

From our colleagues at PC360: As workforces take up social distancing to shelter at home, the risk of attacks against corporate remote access systems goes up.
Can Insurer Avoid Bad Faith by First Settling Then Suing?

March 24, 2020 | Historical Lit Watch

The 10th Circuit U.S. Court of Appeals recently affirmed the ruling of the lower court and held that an insurer can recover an underlying settlement that it made on behalf of its insured as fraud damages, effectively avoiding a bad faith claim.
Insurance Coverage Q&A: Coronavirus Coverage under Specific CGL Policy

March 23, 2020 | Company Specific Programs;Form;Questions & Answers

Subscriber questions if there would be coverage under a specific CGL policy for liability resulting from coronavirus (COVID-19).

Resources

Moving Into The Era Of Digital Necessity In Insurance

From Endava

Discover a better way to revolutionize your systems while leveraging your legacy assets.

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Powering your Content with AI: A 10-minute guide to artificial intelligence in content services platforms

From Nuxeo

Learn how using AI tools can help you get more out of your content.

Download Resource ›
6 Ways to Launch a Winning Digital Experience

From Vertafore

The move to better digital capabilities can be daunting, but it’s necessary to look out for all parties under your umbrella.

Download Resource ›
The Carrier Guide to the New Decade

From Vertafore

As you look forward to the next 10 years, you must make plans now and be ready to change quickly. Is your organization set up to do that?

Download Resource ›
8 Reasons to Modernize with a Content Services Platform

From Nuxeo

Get a strategic decision-making guide to help you weigh the options for replacing or modernizing your enterprise content management (ECM) system.

Download Resource ›
Rising Risk in Public Entity - Ensure Your Clients Are Covered

From Risk Placement Services

As the outbreak of the novel coronavirus unfolds around the globe, your clients will look to you for answers on coverage they need to be ready for new risks.

Download Resource ›
Embrace the Future: How to Adapt and Evolve

From Vertafore

Get advice on how to find the right carrier-focused tech solutions for your business and avoid costly mistakes.

Download Resource ›
What Every Agency Can Learn from Amazon

From Vertafore

Even though Amazon’s business isn’t focused on insurance, its practices impart valuable lessons that can help your agency unlock even more success.

Download Resource ›
8 Traits of Next Generation Insurers

From Nuxeo

Discover how traditional insurers hold themselves back and how to emulate the success of a new generation.

Download Resource ›
Bringing distribution management into the 21st century: How modernizing your system can keep you connected and compliant

From Vertafore

A good system should be able to make distribution easier for you and your agents, but do you know what an excellent, modern system looks like?

Download Resource ›
Understanding the Uninsured: 5 Opportunities for Promising Growth

From Vertafore

Before you can start closing the insurance gap, you need to know why people are underinsured and where to find them.

Download Resource ›
5 Big Opportunities for Agency Growth

From Vertafore

Discover how to grow and diversify your book of business by filling the protection gap.

Download Resource ›
The Comparative Rater eBook: How to Choose a Rater that Works for Your Agency

From Vertafore

Stay ahead of your competitors by using a tool that allows you and your clients to quickly and easily compare different policy options.

Download Resource ›
Unlocking The Potential of Engaged Employees: The Carrier Guide to a Better Business

From Vertafore

Filling open spots is tough in the current marketplace. Make sure your company is one that attracts and retains the best.

Download Resource ›
Increasing Your Closing Ratio: Guidelines for Making Your Customer Interactions More Meaningful

From Vertafore

Don’t become a victim of outdated data as you try to close new clients. Make sure you have real-time data and lock up business at the speed your customers demand.

Download Resource ›
Agency Guide: 3 Keys to Employee Retention

From Vertafore

Learn how embracing technology can prevent employee churn and protect your business.

Download Resource ›
The Comparative Rater eBook: How to Choose a Rater that Works for Your Agency

From Vertafore

Stay ahead of your competitors by using a tool that allows you and your clients to quickly and easily compare different policy options.

Download Resource ›
The Must-Haves to Make Your Agency Successful

From Vertafore

Find out if you have the right strategies in place to help you increase efficiency and productivity, and allow you to accelerate your speed of growth.

Download Resource ›

Browse More Resources →

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