FC&S Expert Coverage Interpretation

Named Non-Owner Coverage PP 03 22 09 18 Analysis

February 26, 2024 | Contract Analysis;Endorsements;ISO Programs

Personal Auto Policy endorsement for those who own no automobiles.

Fraud of the Week: Fido Needed How Much Treatment?

February 26, 2024 | Fraud of the Week

When Fido didn't go to the vet quite that often.

Insurance Coverage Q&A: Firefighting Expenses and Coverage

February 26, 2024 | Questions & Answers

When an insured and tenants help fight the fire, is there coverage for their efforts?

Infotech Firm Owed Defense After Court Finds Catch-All Exclusion Ambiguous

February 26, 2024 | Lit Watch

The ambiguity in a catch-all exclusion could not be resolved using the principle of ejusdem generis.

Home Sharing - Renting Your Home to Others and Coverage Issues

February 26, 2024 | Discussion;ISO Programs

In this article the insurance implications and concerns of renting your home via various home sharing apps is discussed.

New Mexico Requires Replacement Cost on Residential Property Insurance

February 21, 2024 | Administrative Notices;Discussion

A reminder to insurers on New Mexico statutes.

Pet Injury Coverage PP 33 31 09 18 Analysis

February 19, 2024 | Contract Analysis;Discussion;Endorsements;ISO Programs

Endorsement to the Personal Auto Policy.

HO 03 12 03 22 Windstorm or Hail Percentage Deductible

February 19, 2024 | Form

The HO 03 12 03 22 Windstorm or Hail Percentage Deductible endorsement for the homeowners program.

HO 03 12 10 00 Windstorm or Hail Percentage Deductible

February 19, 2024 | Form

The ISO HO 03 12 10 00 Windstorm or Hail Percentage Deductible endorsement can be added to all forms except the HO 00 04 and HO 00 06.

'Use of an Auto' Exclusion Precludes Homeowners Coverage for Drunk Driving

February 19, 2024 | Lit Watch

The policyholders tried to argue that the allegations of negligence against them overrode application of the motor vehicle exclusion in their homeowners policy.

Fraud of the Week: When Did you Make those Repairs?

February 19, 2024 | Fraud of the Week

When no repairs were completed.

Nanoparticles: The Next Asbestos?

February 19, 2024 | Core Article Library;Discussion;Emerging Risks

This article discusses what are nanoparticles, and their benefits and concerns, particularly from an insurance standpoint.

Insurance Coverage Q&A: ALE and Mileage Reimbursement

February 19, 2024 | Questions & Answers

ALE and mileage reimbursement.

Fraud of the Week: Did you Really Need the Hotel?

February 12, 2024 | Fraud of the Week

When ALE isn't really needed.

An Ambiguous Pollution Exclusion means the Insurer has a Duty to Defend

February 12, 2024 | Discussion;Lit Watch

If there is potential for coverage, the insurer must defend.

Miscellaneous Type Vehicle Amendment PP 03 23 09 18 Analysis

February 12, 2024 | Contract Analysis;Discussion;Endorsements;Form;ISO Programs

For Insuring Motorcycles, Motor Homes, ATVs, Golf Carts, and Similar Vehicles

Insurance Coverage Q&A: Human Error and Contamination

February 12, 2024 | Questions & Answers

When a mistake results in damage, is there coverage for mechanical breakdown?

CR 04 18 06 22 Fraudulent Impersonation - Extended Coverage

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 18 06 22 Fraudulent Impersonation - Extended Coverage crime and fidelity endorsement.

CR 04 16 06 22 Toll Charge Fraud

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 16 06 22 Toll Charge Fraud crime and fidelity endorsement.

CR 04 15 06 22 Identity Fraud Expense

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 15 06 22 Identity Fraud Expense crime and fidelity endorsement.

CR 04 14 06 22 Unauthorized Reproduction Of Computer Software By Employees

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 14 06 22 Unauthorized Reproduction Of Computer Software By Employees crime and fidelity endorsement.

CR 04 13 06 22 Destruction Of Electronic Data Or Computer Programs By Employees

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 13 06 22 Destruction Of Electronic Data Or Computer Programs By Employees crime and fidelity endorsement.

CR 04 12 06 22 Safe Depository

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 12 06 22 Safe Depository crime and fidelity endorsement.

CR 04 11 06 22 Guests' Property

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 11 06 22 Guests' Property crime and fidelity endorsement.

CR 04 10 06 22 Securities Deposited With Others

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 10 06 22 Securities Deposited With Others crime and fidelity endorsement.

CR 04 09 06 22 Lessees Of Safe Deposit Boxes

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 09 06 22 Lessees Of Safe Deposit Boxes crime and fidelity endorsement.

CR 04 07 06 22 Inside The Premises - Robbery Of A Custodian Or Safe Burglary Of Money And Securities

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 07 06 22 Inside The Premises - Robbery Of A Custodian Or Safe Burglary Of Money And Securities crime and fidelity endorsement.

CR 04 06 06 22 Inside The Premises - Robbery Of A Watchperson Or Burglary Of Other Property

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 06 06 22 Inside The Premises - Robbery Of A Watchperson Or Burglary Of Other Property crime and fidelity endorsement.

CR 04 05 06 22 Inside The Premises - Theft Of Other Property

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 05 06 22 Inside The Premises - Theft Of Other Property crime and fidelity endorsement.

CR 04 04 06 22 Extortion - Government Entities

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 04 06 22 Extortion - Government Entities crime and fidelity endorsement.

CR 04 03 06 22 Extortion - Commercial Entities

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 03 06 22 Extortion - Commercial Entities crime and fidelity endorsement.

CR 04 01 05 23 Employee Theft Of Clients' Property

February 11, 2024 | Endorsements;Form;ISO Programs

CR 04 01 05 23 Employee Theft Of Clients' Property crime and fidelity endorsement.

CG 00 01 10 93 Commercial General Liability Coverage Form

February 11, 2024 | Fraud of the Week

CG 00 01 10 93 Commercial General Liability Coverage Form

CA 20 70 10 01 Coverage for Certain Operations in Connection with Railroads

February 11, 2024 | Form

The ISO CA 20 70 10 01 Coverage for Certain Operations in Connection with Railroads can be attached to the Business Auto Coverage Form, the Garage Coverage form, the Motor Carriers Coverage Form and the Truckers Coverage Form.

New Hampshire Producer Flood Insurance Education Requirements

February 09, 2024 | Administrative Notices;Discussion

Many producers have not yet met the requirement.

Primary Coverage Must Indemnify Dog Bite at Second Residence

February 05, 2024 | Lit Watch

The "Locations Not Insured" Exclusion in the policy for an insured's primary residence had an exception for residence employees injured while working at a premises other than the primary residence.

Snowmobile Endorsement PP 03 20 09 18 Analysis

February 05, 2024 | Contract Analysis;Discussion;Endorsements;ISO Programs

Endorsement to the Personal Auto Policy.

Insurance Coverage Q&A: Cancellations and Acord Forms

February 05, 2024 | Questions & Answers

When an insured wants to cancel a policy, can the agent complete the Acord cancellation form for the insured?

Fraud of the Week: The Names Were Changed to Hide the Guilty

February 05, 2024 | Fraud of the Week

When the lawnmowers really weren't stolen.

Georgia Bulletin on Nonrenewal and Cancellation Requirements

February 05, 2024 | Administrative Notices;Discussion

A reminder of the standard procedures to insurers writing homeowners policies.

ISO HOMEOWNERS FORMS LIST

February 05, 2024 | Charts;Endorsements;Form

A numerical list of available ISO homeowners forms.

HO 04 95 03 22 Limited Water Back-up and Sump Discharge or Overflow Coverage

February 04, 2024 | Form

HO 04 95 03 22 Limited Water Back-up and Sump Discharge or Overflow Coverage can be added to homeowners, unit-owners, and tenants policies.

ISO COMMERCIAL AUTO FORMS LIST

February 01, 2024 | Charts;Endorsements;Form

This is a list in numerical order of ISO Commercial Auto forms.

A New Kind of Storm-Atmospheric River

January 30, 2024 | Core Article Library;Discussion

A rating scale has been developed for storms known as Atmospheric Rivers. This article explains the storms and how they relate to tornadoes and hurricanes.

Endorsements Used with Personal Auto Policy

January 29, 2024 | Discussion;Endorsements;ISO Programs

A listing and description of the endorsements.

Insurance Coverage Q&A: Dad Backs into Daughter's Vehicle

January 29, 2024 | Questions & Answers

A father backs into the daughter's vehicle causing damage. The daughter's vehicle is insured separately. Which policy prevails, and why?

Fraud of the Week: Items Repeatedly Stolen? Not Quite.

January 29, 2024 | Fraud of the Week

When the jewelry wasn't stolen as often as claimed.

Workers Compensation Benefits Denied Due to Lack of Timely Notice

January 29, 2024 | Lit Watch

A woman in Tennessee who suffered hearing loss was statutorily required to give written notice within 15 days of learning of her injury.

HO 06 68 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Discussion;Endorsements;Form

Home sharing coverage endorsement for use with the HO 00 08 homeowners form.

HO 06 66 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Endorsements;Form;ISO Programs

Home sharing coverage endorsement for use with the HO 00 06 homeowners form.

HO 06 65 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Endorsements;Form;ISO Programs

Home sharing coverage endorsement for use with the HO 00 05 homeowners form.

HO 06 64 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Endorsements;Form;ISO Programs

Home sharing coverage endorsement for use with the HO 00 04 homeowners form.

HO 06 63 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Endorsements;Form;ISO Programs

Home sharing coverage endorsement for use with the HO 00 03 homeowners form.

HO 06 62 09 22 Broadened Home-Sharing Host Activities Coverage

January 27, 2024 | Endorsements;Form;ISO Programs

Home sharing coverage endorsement for use with the HO 00 02 homeowners form.

Insurance Coverage Q&A: Extra Expense for Tenant's Loss

January 22, 2024 | Questions & Answers

When a cannabis manufacturer sustains a loss in a rented building, can extra expense be used for cleaning the property?

2023 ISO Crime Forms Update

January 22, 2024

Discusses two new crime forms and three form revisions, largely to address exposures of digital or crypto tokens and NFTs.

Noncompliance with Policy Conditions Means No Coverage

January 22, 2024 | Lit Watch

A commercial property policyholder had not complied with all of the policy conditions before the property was damaged in a fire.

Fraud of the Week: Damage Different than what was Claimed

January 22, 2024 | Fraud of the Week

Altered repair invoices and damage doesn't match claim.

CG 00 62 12 02 War Liability Exclusion

January 21, 2024 | Form

The ISO CG 00 62 12 02 War Liability Exclusion that applies to the Commercial General Liability Coverage Part. This form was withdrawn between 2004 and 2010 in all states.

Colorado Requests Suspension of Time Limits on Coverages Related to the Marshall and Middle Fork Fires

January 19, 2024 | Administrative Notices;Discussion

These include recoverable depreciation, law and ordinance coverage, and extended replacement cost coverages.

Winter Weather and Insurance Issues

January 19, 2024 | Core Article Library;Discussion

In light of the current winter weather, the editors have compiled a list of articles you may find helpful.

'Permissive User' of an Auto Not Owed Coverage by Auto Owner's Insurer

January 15, 2024 | Lit Watch

When two policies are involved in an auto loss, which policy provides coverage?

Fraud of the Week: Phony Fire Damage

January 15, 2024 | Fraud of the Week

When there seems to be smoke but no fire.

Builders Risk Considerations

January 15, 2024 | Discussion;Endorsements;Form;ISO Programs

This is a discussion of the builders risk coverages that can be found in the ISO building and personal property coverage form, as contrasted with those found in the builders risk coverage form and the effects on coverage if the builders risk renovations endorsement is also attached.

Insurance Coverage Q&A: An Abundance of Water, but From Where?

January 15, 2024 | Questions & Answers

When the insured's away and the water leaks, is there coverage?

ISO PERSONAL AUTO FORMS LIST

January 11, 2024 | Charts;Endorsements;Form

This is a list of ISO Personal Auto Forms in numerical order.

Coverage Under Protective Safeguards Endorsement Requires Heightened Standard of Care

January 11, 2024 | Lit Watch

Coverage for a fire loss was conditioned on the presence of certain fire protection systems "in complete working order."

Georgia Allows For MPOHV Registration

January 10, 2024 | Administrative Notices;Discussion

Registered MPOHVs will receive a certificate of registration and a license plate.

TWIA Implements New Deadlines During Claims Appraisal Process

January 10, 2024 | Administrative Notices;Discussion

There are deadlines for umpire selection and appraiser agreement.

PP 00 01 01 05 Personal Auto Policy

January 10, 2024 | Form;ISO Programs

ISO's Personal Auto Policy PP 00 01 01 05.

Oregon Changes in Documentation Requirements Following a Major Disaster

January 10, 2024 | Administrative Notices;Discussion

Concerning property contents coverage after a total loss.

ISO GENERAL LIABILITY (CGL) MULTISTATE FORMS LIST

January 10, 2024 | Charts

A listing of ISO General Liability forms and endorsements, including links to multistate forms.

Businessowners Cyber, Data Privacy and Electronic Data Endorsements Analyses - Part Two

January 08, 2024 | Contract Analysis;Endorsements;Form;ISO Programs

This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

'Occupancy' of Insured Vehicle Not Found Under Business Auto Policy

January 08, 2024 | Lit Watch

A commercial auto insurer refused to pay policy limits to the employee of an insured because the employee was not in close proximity to the insured vehicle when he was injured.

Fraud of the Week: Ringleader to be Extradited

January 08, 2024 | Fraud of the Week

A ringleader has been caught and will be extradited for prosecution.

Insurance Coverage Q&A: Window Cleaner Scratches Glass

January 08, 2024 | Questions & Answers

When a window cleaner scratches the glass he is working on, is there coverage?

CG 00 01 11 88 Commercial General Liability Coverage Form

January 06, 2024 | Form

CG 00 01 11 88 Commercial General Liability Coverage Form

CR 25 30 06 22 Banks For Cooperatives And Federal Intermediate Credit Banks

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 30 06 22 Banks For Cooperatives And Federal Intermediate Credit Banks crime and fidelity endorsement.

CR 25 29 06 22 Insured At Military Center

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 29 06 22 Insured At Military Center crime and fidelity endorsement.

CR 25 28 06 22 Rural Utilities Service Regulations

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 28 06 22 Rural Utilities Service Regulations crime and fidelity endorsement.

CR 25 27 06 22 Rural Utilities Service Joint Insured

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 27 06 22 Rural Utilities Service Joint Insured crime and fidelity endorsement.

CR 25 26 06 22 Rural Utilities Service Borrowing Corporations - Limit Amount Of Insurance On Collection Agents

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 26 06 22 Rural Utilities Service Borrowing Corporations - Limit Amount Of Insurance On Collection Agents crime and fidelity endorsement.

CR 25 25 06 22 Exclude Unauthorized Advances, Require Annual Audit

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 25 06 22 Exclude Unauthorized Advances, Require Annual Audit crime and fidelity endorsement.

CR 25 24 06 22 Exclude High-Grading Loss

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 24 06 22 Exclude High-Grading Loss crime and fidelity endorsement.

CR 25 23 06 22 Exclude Certain Risks Inherent In Insurance Operations

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 23 06 22 Exclude Certain Risks Inherent In Insurance Operations crime and fidelity endorsement.

CR 25 22 06 22 Include Personal Accounts Of Specified Persons

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 22 06 22 Include Personal Accounts Of Specified Persons crime and fidelity endorsement.

CR 25 21 06 22 Add Warehouse Receipts Forgery

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 21 06 22 Add Warehouse Receipts Forgery crime and fidelity endorsement.

CR 25 20 10 10 Add Credit, Debit Or Charge Card Forgery

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 20 10 10 Add Credit, Debit Or Charge Card Forgery crime and fidelity endorsement.

CR 25 19 06 22 Add Faithful Performance Of Duty Coverage For Government Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 19 06 22 Add Faithful Performance Of Duty Coverage For Government Employees crime and fidelity endorsement.

CR 25 18 06 22 Add Faithful Performance Of Duty Coverage

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 18 06 22 Add Faithful Performance Of Duty Coverage crime and fidelity endorsement.

CR 25 17 06 22 Add Warehouse Receipts Coverage

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 17 06 22 Add Warehouse Receipts Coverage crime and fidelity endorsement.

CR 25 16 06 22 Add Trading Coverage

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 16 06 22 Add Trading Coverage crime and fidelity endorsement.

CR 25 14 06 22 Include Officers And Employees Of Federal Reserve Bank Acting As Efts Agent As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 14 06 22 Include Officers And Employees Of Federal Reserve Bank Acting As Efts Agent As Employees crime and fidelity endorsement.

CR 25 13 06 22 Include Students As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 13 06 22 Include Students As Employees crime and fidelity endorsement.

CR 25 12 06 22 Include Treasurers Or Tax Collectors As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 12 06 22 Include Treasurers Or Tax Collectors As Employees crime and fidelity endorsement.

CR 25 11 06 22 Include The Spouse And Children Of Building Manager, Superintendent Or Janitor As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 10 06 22 Include Volunteer Workers Other Than Fund Solicitors As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 10 06 22 Include Volunteer Workers Other Than Fund Solicitors As Employees crime and fidelity endorsement.

CR 25 09 06 22 Include Volunteer Workers As Employees

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 09 06 22 Include Volunteer Workers As Employees crime and fidelity endorsement.

CR 25 55 05 23 Amend Verification Condition

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 55 05 23 Amend Verification Condition crime endorsement.

CR 25 53 06 22 Labor Organizations Amendatory Endorsement

January 05, 2024 | Endorsements;Form;ISO Programs

CR 25 53 06 22 Labor Organizations Amendatory Endorsement crime and fidelity endorsement.