FC&S Expert Coverage Interpretation

State Insurance Departments COVID-19 Update – Interactive Map

November 24, 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.

Insuring Hired and Borrowed Autos Under Business Auto

November 23, 2020 | Core Article Library;Discussion;Endorsements;Form;ISO Programs

Discusses business auto liability coverage for hired and nonowned autos.

Insurance Coverage Q&A: Debris Removal and Fallen Tree

November 23, 2020 | Questions & Answers

When a tree falls blocking the driveway and damaging property, does the debris removal limit apply?

Fraud of the Week: Arson for Hire

November 23, 2020 | Discussion

The insured's son conspired with a coworker to burn his parents' vehicle.

NY Fines NRA, Prohibits Insurance Sales for Five Years

November 20, 2020 | Historical Lit Watch

Representation for the NRA has indicated that this settlement has no effect on other litigation between the NRA and the state of New York.

CA 00 01 11 20 Business Auto Coverage Form

November 18, 2020 | Endorsements;Form;ISO Programs

CA 99 16 10 13 Hired Autos Specified As Covered Autos You Own

November 18, 2020 | Endorsements;Form;ISO Programs

Business auto endorsement to add hired auto coverage.

CA 20 01 11 20 Lessor Additional Insured and Loss Payee

November 18, 2020 | Endorsements;Form;ISO Programs

Business auto endorsement to add additional insured and/or loss payee.

CA 99 47 10 13 Employee As Lessor

November 18, 2020 | Endorsements;Form;ISO Programs

Business auto endorsement to add employee as lessor.

CA DS 03 11 20 Business Auto Declarations

November 18, 2020 | Endorsements;Form;ISO Programs

Declarations for Business Auto coverage

Insurer Not Obligated to Indemnify Judge's Opioid Death

November 16, 2020 | Historical Lit Watch

The US Court of Appeals for the Ninth Circuit has decided that an insurer is not obligated to defend or indemnity a Nevada doctor under his professional…

Fraud of the Week: You Can Run but you Can't Hide

November 16, 2020 | Discussion

Insured lies about theft to cover for husband evading from the police.

Insurance Coverage Q&A: Earthquake Damage on Bare Walls Condominium Policy

November 16, 2020 | Questions & Answers

Discusses what coverage may be provided to individual unit-owners under a bare walls policy if earthquake damages the building.

Personal Articles Form

November 16, 2020 | Contract Analysis;Discussion

This articles discusses the personal articles forms under ISO and AAIS.

Disaster Compendium Part II - Wildfires and Blizzards

November 09, 2020 | Core Article Library;Discussion

This is part 2 of the Disaster Compendium, discussing hazards, expected damage, and preventative measures to take for wildfires and blizzards.

Fraud of the Week: A Deli Owner, a Fleet Manager and an Inmate...

November 09, 2020 | Discussion

Three people work together to get a car stolen.

Insurance Coverage Q&A: Improvements and Betterments With No Damage

November 09, 2020 | Questions & Answers

Discusses coverage for improvements and betterments when there is a water damage claim in a co-op apartment building.

California Moratorium on Cancellation or Nonrenewal of Certain Residential Properties

November 05, 2020 | Discussion

Details the California moratorium on residential policy cancellation or nonrenewals for one year due to wildfires.

Insurer Off Hook for Home Destroyed by Fire after Agent Pocketed Premiums

November 04, 2020 | Historical Lit Watch

The agent was arrested for pocketing insurance premiums, was sentenced to ten years of probation, and was assigned a fine.

CG 21 70 01 15 Cap on Losses From Certified Acts of Terrorism

November 04, 2020 | Form

CG 21 70 01 15 Cap on Losses From Certified Acts of Terrorism

IL 09 52 01 15 Cap on Losses From Certified Acts of Terrorism

November 04, 2020 | Form

IL 09 52 01 15 Cap on Losses From Certified Acts of Terrorism

CG 21 76 01 15 Exclusion of Punitive Damages Related to a Certified Act of Terrorism

November 04, 2020 | Form

CG 21 76 01 15 Exclusion of Punitive Damages Related to a Certified Act of Terrorism

Fraud of the Week: It's Not a License to Steal

November 02, 2020 | Discussion

An agent keeps insured's premiums for himself.

Insurance Coverage Q&A: Definition of Occurrence Not Met

November 02, 2020 | ISO Programs;Questions & Answers

Discusses whether the definition is met when there is no accident.

Occurrence – What Is It, and When Does Injury Occur?

November 02, 2020 | Core Article Library;Discussion

This discussion concerns insurance coverage issues arising out of the word "occurrence", with a review of relevant legal cases.

Expected or Intended

November 02, 2020 | Core Article Library;Discussion

This article reviews various court cases related to language surrounding intended and expected.

Applied Sues California Insurance Commissioner Citing Bad Faith and Breach of Authority

October 26, 2020 | Historical Lit Watch

The company alleges five claims in violation of the U.S. Constitution by the California Commissioner of Insurance.

Fraud of the Week: All Employees Must be Counted

October 26, 2020 | Discussion

Unreported payroll significantly reduces premium costs.

License Required to Sell Hole in One Insurance in Iowa

October 26, 2020 | Historical Lit Watch

Hole in Won issued cease and desist after acting as an unlicensed insurer or insurance producer in Iowa for more than 5 years.

What does DICE Have to do with Insurance?

October 26, 2020 | Core Article Library;Discussion

There are many parts to an insurance policy that are all very important. This article discusses the pieces and parts, and how they work.

Insurance Coverage Q&A: Explanation of Coverages Under Delay in Completion Coverage Endorsement

October 26, 2020 | Endorsements;Questions & Answers

Discusses the application of the Delay in Completion Coverage endorsement under a Builders Risk policy.

Policies Designed with Ridesharing in Mind

October 26, 2020 | Core Article Library;Discussion

Outlines Mobilitas Insurance's new policies designed for ridesharing drivers and companies.

ISO COMMERCIAL AUTO FORMS LIST

October 23, 2020 | Charts;Endorsements;Form

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

ISO PERSONAL AUTO FORMS LIST

October 23, 2020 | Charts;Endorsements;Form

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

ISO CGL MULTISTATE FORMS LIST

October 23, 2020 | Charts;Endorsements;Form

This is a numerical list of ISO CGL Forms.

ISO COMMERCIAL PROPERTY FORMS LIST

October 23, 2020 | Charts;Endorsements;Form

This provides a numerical listing of the ISO Commercial Property Forms.

ISO HOMEOWNERS FORMS LIST

October 23, 2020 | Charts;Endorsements;Form

A numerical of Available ISO Homeowners Forms.

Montrose Endorsement—Shining A Light On the "Known Loss" Doctrine

October 21, 2020 | Core Article Library;Discussion

This is a reprint of an article that appeared in FC&S Bulletins on November 24, 2008.

Court: Producer Cannot Be Liable for Denial of COVID-19 Business Interruption Claim

October 19, 2020 | Historical Lit Watch

After an insurance carrier denied a lawyer and her firm's claim for lost business income due to the COVID-19-related shutdown, she sued both her carrier and the producer that procured the policy.

Fraud of the Week: When Firefighters go Bad

October 19, 2020 | Discussion

Firefighter burns house in hopes of collecting from insurer.

Insurance Coverage Q&A: Doing Your Own Repairs Not Always the Best Solution

October 19, 2020 | Questions & Answers

This question deals with both the definition of an occurrence and coverage for property damage when an insured completes his own repairs.

Car-sharing Provisions Chart

October 19, 2020 | Charts

There are multiple providers of car-sharing transportation; while many of their requirements are similar, there are differences among them. The following…

In Whole or In Part Indemnity Provision

October 12, 2020 | Core Article Library;Discussion

Discusses in whole or in part indemnity provision in the CGL.

Insurance Coverage Q&A: Wear and Tear, but What Part is Worn?

October 12, 2020 | Questions & Answers

Wear and tear to caulking leads to damage.

Fraud of the Week: Smokey Bear Would be Disappointed

October 12, 2020 | Discussion

A forestry worker collects twice.

Workers' Comp Claims Denied for Families of Deceased Meat Packers

October 11, 2020 | Historical Lit Watch

The family of a deceased meat plant worker has been denied workers' compensation benefits after workplace exposure and contraction of the COVID-19 virus.

Contractual Liability Insurance – Part Two

October 05, 2020 | Discussion;ISO Programs

A continuance of contractual liability insurance discussion.

Employee Deserves Compensation for Injury from Common Activity

October 05, 2020 | Historical Lit Watch

The Illinois Supreme Court has ruled that an employee's injuries from common everyday activities, such as bending, kneeling, and reaching, are compensable under the Illinois Workers' Compensation Act if the employee might reasonably be expected to perform those actions incidental to their assigned duties.

Fraud of the Week: When the Boat Sinks but not in the Water

October 05, 2020 | Discussion

Boat reported stolen by owner just to get rid of it.

Contractual Liability Insurance

October 05, 2020 | Core Article Library;Discussion;ISO Programs

This article discusses the meaning of contractual liability and insured contracts.

Insurance Coverage Q&A: Determining a Value for Old Books

October 04, 2020 | Questions & Answers

This Q&A deals with establishing the value of old books.

Fraud of the Week: Underreported Payroll Caught

September 28, 2020 | Discussion

Underreported payroll is caught.

Utility Services Direct Damage and Time Element Losses and Coverages

September 28, 2020 | Discussion;Endorsements;ISO Programs

Discusses the needs to consider in purchasing utility services direct damage, time element coverages and spoilage coverage.

Insurance Coverage Q&A: Coverage for Observatory Computers

September 28, 2020 | Questions & Answers

Discusses coverage for computers running telescope.

Webinar September 26 - Is THAT Covered? Real-Life Coverage Questions, Answered by the Experts

September 25, 2020 | Webcast

Recording of webinar: Is THAT Covered? Real-Life Coverage Questions, Answered by the Experts

Another COVID-19 Win for Policyholders

September 24, 2020 | Historical Lit Watch

In his second of the same type of ruling Justice Bough denied Owners Insurance Co.'s motion to dismiss a suit brought by a dental practice group that sought coverage for income lost due to mandatory COVID-19 lockdowns.

Preparing for Disaster – A Checklist

September 23, 2020 | Checklist;Core Article Library

Checklists to use as wildfire and hurricane season approach, or any natural disaster.

Storm Surge, Tide Surge or Rainwater Flood

September 22, 2020 | Core Article Library;Discussion

Discusses the characteristics of a storm surge as opposed to tide surge or rainwater flood.

Fraud of the Week: When the Insured is the Vandal

September 21, 2020 | Discussion

Dealer guides couple in filing a bogus auto claim.

Insurance Coverage Q&A: Business Interruption Affecting Contract

September 21, 2020 | Questions & Answers

Discusses whether business income coverage applies when an insured is non-operational for a short period of time in fulfillment of contract work.

UK COVID Test Case Decided, Deals Blow to Insurers

September 20, 2020 | Historical Lit Watch

The trial was heard through Skype, with members of the public allowed to watch the proceedings through livestream.

CP 04 40 12 20 Spoilage Coverage

September 17, 2020 | Form

Spoilage Coverage endorsement

Hurricane Categories 1-5

September 15, 2020 | Charts;Core Article Library;Discussion

Explains the various hurricane categories and the damages they can do.

Fraud of the Week: Burning Down the House

September 14, 2020 | Discussion

Classic case of insured burning down the house.

Insurance Coverage Q&A: Lost in Shipment

September 14, 2020 | Questions & Answers

Items lost in shipment may not be covered.

The Importance of Properly Completing Commercial Schedules

September 14, 2020 | Core Article Library;Discussion

Discusses the importance of properly completing commercial schedules to ensure coverage.

Coronavirus Insurance Lawsuit Trends by Industry

September 14, 2020 | Historical Lit Watch

Although these claims cover a wide range of industries, the dominant insurance coverage conflict is the same.

MDL Panel Denies Nationwide Centralization of COVID-19 Business Interruption Suits

September 07, 2020 | Historical Lit Watch

The panel noted that although the policyholders had identified three common questions, the cases shared "only a superficial commonality."

Expensive Jewelry and Insurance – How do You Cover the Diamonds?

September 07, 2020 | Discussion

This September 2020 Claims column discusses insuring expensive jewelry.

Insurance Question Q&A: Lease between Two Family Owned Entities

September 07, 2020 | Endorsements;Questions & Answers

I have an insured that plans to lease their auto fleet (mom and dad own the entity) from another new entity (mom, dad, son and daughter) for taxation purposes.…

Fraud of the Week: You Gotta Have a License for That...

September 07, 2020 | Discussion

Company gets caught selling coverage without a license.

Insurance Coverage Q&A: Theft of Friend's Fishing Pole

August 31, 2020 | Questions & Answers

Discusses coverage when property of others in insured's custody is stolen.

Distinguishing Between Agents, Producers and Brokers

August 31, 2020 | Core Article Library;Discussion

Discusses the differences between an insurance agent, producer and broker.

Fraud of the Week: When a Staged Theft Needs Better Planning

August 31, 2020 | Discussion

Staged theft when the staging is far too obvious.

Self-Insurance and Alternative Risk Financing

August 31, 2020 | Discussion;Historical Lit Watch

A comprehensive discussion of alternative risk financing, including its advantages and disadvantages supported by court cases.

California Wildfire Emergency Notice - Claims Handling

August 27, 2020 | Core Article Library;Discussion

Outlines emergency procedures put in place by the commissioner for claims handling during the wildfires.

Insurer Attempt to Recover Death Benefits from Widow, Foiled

August 26, 2020 | Historical Lit Watch

Insurer that paid death benefits on behalf of an employer to the family of a South Carolina-based driver who was killed in a car accident in his home state can't recover the proceeds from a wrongful death lawsuit.

Adjuster Licensing Requirements for CAT Duty 2020

August 25, 2020 | Charts;Core Article Library

This chart displays current adjuster licensing requirements for CAT duty.

Two Hurricanes, COVID-19, and The Fujiwhara Effect

August 24, 2020 | Core Article Library;Discussion

Discusses issues with two hurricanes at once during a pandemic.

Weather Terms You Should Know

August 24, 2020 | Core Article Library;Discussion

Defines common weather terms.

Insurance Coverage Q&A: Auto Accident Liability

August 24, 2020 | Questions & Answers

Discusses which liability policy is affected when a car being delivered is involved in an accident.

Fraud of the Week: Crime Doesn't Pay Even With Insurance

August 24, 2020 | Discussion

Embezzler caught before able to file claim.

Suit Reinstated after Policyholder Settled without Insurer Approval

August 23, 2020 | Historical Lit Watch

The US Court of Appeals for the 10th Circuit has reinstated litigation filed by an insurer against its policyholder for settling a case without the insurer's permission.

Fraud of the Week: When Technology Turns You In

August 17, 2020 | Discussion

Cameras and cell phone records showed where the insured was at the time of loss.

Derechos: Rare and Serious

August 17, 2020 | Core Article Library;Discussion

This article explains derechos, the damage they cause and insurance coverages.

Insurance Coverage Q&A: Solar Lights – Landscaping or Personal Property

August 17, 2020 | Questions & Answers

Discusses what exactly constitutes hardscape property.

D.C. Court Finds in Favor of Insurer in Business Interruption and COVID-19 Case

August 17, 2020 | Historical Lit Watch

Although the Judge found that there was no 'direct physical loss' for COVID-19 closures, the decision comes with some limitations.

Fraud of the Week: Need Damage to File a Claim? Contractor Creates Damage First

August 10, 2020 | Discussion

Contractor creates damage first in order to create a claim.

Insurance Coverage Q&A: Determining the Primary Policy

August 10, 2020 | Questions & Answers

When two auto policies are involved in a loss, which one is primary?

Hurricane Season and Insurance Coverage – Update 2020

August 10, 2020 | Core Article Library;Discussion

This article provides a comprehensive overview of coverages impacted by hurricanes.

Must Insurer Defend Apartment Manager in Security-Deposit Case

August 05, 2020 | Historical Lit Watch

The dissenting opinion found that the other two judges misinterpreted Georgia law.

Claim Denial Forced Health Provider to Fight "Two-Fronted" War

August 05, 2020 | Historical Lit Watch

New York State's largest healthcare provider claims that the denial of its claim along with the treatment of thousands of novel coronavirus patients is a two-fronted war it should not be fighting.

Cell Phone Restrictions by State – 2020

August 05, 2020 | Charts

Provides state-by-state cell phone and texting restrictions.

Fraud of the Week: Crooked Agent Goes Straight to Jail

August 03, 2020 | Discussion

An agent steals from clients and creates fraudulent documents.

Insurance Coverage Q&A: Coverage for Rented Boats

August 03, 2020 | Questions & Answers

Discusses coverage when a boat strikes a rock.

BP 15 04 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-related Liability - with Limited Bodily Injury Exception

August 02, 2020 | Endorsements;Form

BP 15 04 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-related Liability - with Limited Bodily Injury Exception

BP 15 05 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information & Data-related Liability - Limited Bodily Injury Exception Not Included

August 02, 2020 | Endorsements;Form

BP 15 05 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information & Data-related Liability - Limited Bodily Injury Exception Not Included

BP 15 06 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information (Personal & Advertising Injury Only)

August 02, 2020 | Endorsements;Form

BP 15 06 05 14 - Exclusion - Access or Disclosure of Confidential or Personal Information (Personal & Advertising Injury Only)

BP 15 11 12 16 - Exclusion Unmanned Aircraft

August 02, 2020 | Endorsements;Form

BP 15 11 12 16 - Exclusion Unmanned Aircraft

BP 15 12 12 16 - Limited Coverage for Designated Unmanned Aircraft

August 02, 2020 | Form

BP 15 12 12 16 - Limited Coverage for Designated Unmanned Aircraft