FC&S Expert Coverage Interpretation

When Manholes Explode

March 02, 2021 | Core Article Library;Discussion;Questions & Answers

Discusses manhole explosions and coverage for loss or damage under personal and commercial lines.

Marijuana Legalization by State 2021

March 01, 2021 | Charts

State-by-state chart on the legal status of marijuana for medicinal or recreational purposes.

Board Members Weigh In on Lawsuit Filed Against Auto Insurers for Rates during the Pandemic

March 01, 2021 | Commentary;Core Article Library;Discussion

In light of recent suits related to auto premiums during the pandemic, we asked the board members to weigh in with their opinions.

Insurance Q&A: When the Fire is Dire

March 01, 2021 | Questions & Answers

An insured takes drastic measures during a storm; is there coverage for intentional damage?

Data Breach Notification Laws by State

March 01, 2021 | Core Article Library;Discussion

This article discusses data breaches and what is generally required by a company when a breach occurs. Includes a chart of state statutes.

Fraud of the Week: The Policy Has to Come Before the Accident

March 01, 2021 | Discussion

Insureds shifted date of claim in order to have it covered by the auto policy.

Maine High Court Finds No Advance Notice of Cancellation

February 25, 2021 | Historical Lit Watch

The insurance policy expired on the 18th, and a $15 million fire occurred on the 19th and the court determined the notice of cancellation was not adequate.

When Things Fall from the Sky

February 22, 2021 | Core Article Library;Discussion

Discusses coverage when things such as airplane parts fall from the sky and land on property.

Is Your Kitchen Table Still Insured? What People Working from Home Need to Know About Insurance

February 22, 2021 | Commentary;Core Article Library;Discussion

This article by advisory board member Ethan A. Gross, JD chief executive officer of Globe Midwest Adjusters, discusses possible insurance issues surrounding setting up office space to work from home during the pandemic.

Fraud of the Week: When the Homeowner Claim gets Fat

February 22, 2021 | Discussion

Fraud involving false damages and claim report.

Updated Cell Phone Driving Laws by State

February 22, 2021 | Charts

Updated chart on state restrictions on use of cell phones in vehicles.

Insurance Q&A: PPP Loan, Loss of Payroll and Insurance

February 22, 2021 | Questions & Answers

When a restaurant has a loss but receives a government loan, where does business income coverage fit in?

Blanket Insurance: Everything You Need to Know

February 22, 2021 | Discussion;ISO Programs

Discusses the workings of the blanket limit of insurance, using a number of actual questions and answers as examples of its application under the commercial property policy.

Compensation is Owed to Worker Walking Own Dog

February 17, 2021 | Historical Lit Watch

The employee was injured when he slipped on a log and fell while walking his dog around a lake.

Robinhood Sued for Death of 20 Year Old Trader

February 16, 2021 | Historical Lit Watch

CW: Suicide. The trader killed himself after wrongfully believing that he owed more than $700k in order to save his family from such an extensive amount of debt.

When Hell Freezes Over - Winter 2021

February 16, 2021 | Core Article Library;Discussion

In light of current frigid temperatures around the country and concerns about frozen pipes, ice dams and related issues, this article provides links to several FC&S articles that may be helpful.

Frozen Pipes and the Polar Vortex

February 16, 2021 | Discussion

Discusses frozen pipe claims during a polar vortex.

Disaster Compendium Part II - Wildfires and Blizzards

February 16, 2021 | 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: Phony Car Insurance

February 15, 2021 | Discussion

Fraud involving registering vehicles out of state and selling bogus insurance.

Emerging Risks 2021

February 15, 2021 | Core Article Library;Discussion

This article that appears in Claim Magazine discusses how some emerging risks have progressed.

Insurance Coverage Q&A: Product Liability Errors and Omissions

February 15, 2021 | Questions & Answers

Questions whether coverage under a Printers E&O policy will cover box replacements in a situation where the original boxes were not packed according to industry standards.

Damage Caused by Animals, Property Insurance Limitations

February 08, 2021 | Historical Lit Watch

The court found that an insurance policy exclusion for "domestic animals" can be interpreted in two different ways.

Insurance Coverage Q&A: When Donuts Land you in Cold Water

February 08, 2021 | Questions & Answers

This Q&A deals with the age old question, is it covered under comprehensive or collision.

Fraud of the Week: You Can't Claim Property You Bought After the Loss

February 08, 2021 | Discussion

Fraud concerning documentation of the loss.

What is "Fire"?

February 08, 2021 | Core Article Library;Discussion

This article reviews what exactly is considered to be a fire, and several cases dealing with how carriers have handled related claims over the years.

January Highlights

February 03, 2021 | Webcast

A very short video highlighting some of the most popular and most interesting articles in January from FC&S.

CU 21 87 12 20 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability Limited Bodily Injury Exception Not Included

February 03, 2021 | Questions & Answers

CU 21 87 12 20 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability Limited Bodily Injury Exception Not Included

CU 21 87 12 20 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - Limited Bodily Injury Exception Not Included

February 03, 2021 | Endorsements;Form;ISO Programs

CU 21 86 12 20 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - With Limited Bodily Injury Exception

February 03, 2021 | Endorsements;Form;ISO Programs

CU 24 53 12 20 - Automatic Insured Status for Newly Acquired or Formed Limited Liability Companies-Excess Auto Dealers Acts, Errors or Omissions Liability Coverages

February 03, 2021 | Endorsements;Form;ISO Programs

CU 24 53 12 20 - Automatic Insured Status for Newly Acquired or Formed Limited Liability Companies-Excess Auto Dealers Acts, Errors or Omissions Liability Coverages

CU 04 23 12 20 Excess Auto Dealers Acts, Errors Or Omissions Liability Coverages

February 03, 2021 | Endorsements;Form;ISO Programs

CU 21 88 05 14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information (Coverage B Only)

February 03, 2021 | Endorsements;Form;ISO Programs

CX 21 89 12 20 Exclusion - Designated Cannabis Products

February 03, 2021 | Endorsements;Form;ISO Programs

Condominium Statutes by State

February 03, 2021 | Charts;Core Article Library

This chart provides information on a state-by-state basis on what parts of condominiums need to be insured by unit owners or the association.

CU 22 37 12 20 Motor Carrier Endorsement

February 02, 2021 | Endorsements;Form;ISO Programs

CU 23 01 12 20 Cannabis Activity Coverage Aggregate Limit

February 02, 2021 | Endorsements;Form;ISO Programs

CU 22 39 12 20 Driving Schools - Non-Owned Autos

February 02, 2021 | Endorsements;Form;ISO Programs

CU 23 02 12 20 Cannabis Exclusion With Hemp Exception Subject To Hemp Aggregate Limit

February 02, 2021 | Endorsements;Form;ISO Programs

CU 23 03 12 20 Cannabis Exclusion With Designated Product Or Work Exception Subject To Cannabis Products-Completed Operations Aggregate

February 02, 2021 | Endorsements;Form;ISO Programs

CU 24 03 12 20 Waiver Of Transfer Of Rights Of Recovery Against Others to Us (Waiver Of Subrogation)

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 22 12 20 Cannabis Exclusion

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 23 12 20 Cannabis Exclusion With Hemp Exception

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 24 12 20 Cannabis Exclusion With Hemp And Lessors Risk Exceptions

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 38 12 20 Total Bankruptcy or Insolvency Exclusion For Excess Auto Dealers Acts, Errors Or Omissions Liability Coverages

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 39 12 20 Changes To The Bankruptcy Or Insolvency Exclusion For Excess Auto Dealers Acts, Errors or Omissions Liability Coverages

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 40 12 20 Exclusion - Designated Cannabis Products

February 02, 2021 | Endorsements;Form;ISO Programs

CU 34 41 12 20 Exclusion - Cannabis Products

February 02, 2021 | Endorsements;Form;ISO Programs

CU DS 01 12 20 Commercial Liability Umbrella Declarations

February 02, 2021 | Form;ISO Programs

CX 21 22 12 20 Auto Dealers Exclusion - Designated Products

February 02, 2021 | Endorsements;Form;ISO Programs

CX 21 25 12 20 Auto Dealers Exclusion - Designated Work

February 02, 2021 | Endorsements;Form;ISO Programs

CX 21 79 12 20 Cannabis Exclusion

February 02, 2021 | Endorsements;Form;ISO Programs

CX 21 80 12 20 Cannabis Exclusion With Hemp Exception

February 02, 2021 | Endorsements;Form;ISO Programs

CX 21 81 12 20 Cannabis Exclusion With Hemp And Lessors Risk Exceptions

February 02, 2021 | Endorsements;Form;ISO Programs

CX 21 90 12 20 Exclusion - Cannabis Products

February 02, 2021 | Endorsements;Form;ISO Programs

Insurance Coverage Q&A: Proof of Loss Needed Before Appraisal?

February 01, 2021 | Questions & Answers

This Q&A discusses an insurer's request for a proof of loss before allowing an appraisal to proceed.

Fraud of the Week: From Handyman to Serial Killer to Fraudster

February 01, 2021 | Discussion

Perpetrator of staged accident involved in more serious crimes.

Insurrection, Rebellion, and Revolution

February 01, 2021 | Discussion

In light of the January attack on the Capitol, this article looks at various exclusions and how they would or wouldn't be applied to such an event.

Federal Judge Asks State Supreme Court for COVID-19 Ruling

January 26, 2021 | Historical Lit Watch

Differing interpretations of Ohio law by various courts will undermine the uniform application of the law to litigants in similar situations.

Fraud of the Week: Don't Tell Everyone Your Plans

January 25, 2021 | Discussion

An arson case where the homeowner mentioned more than once the idea of burning down her home.

Insurance Coverage Q&A: Where is there Coverage for Electric Bicycles?

January 25, 2021 | Questions & Answers

Electric bicycles - is there coverage for them under the homeowners policies?

FC&S Navigation Tip: How to Find Forms

January 25, 2021 | Discussion

This article walks the user through the many different ways to find forms in FC&S.

State Insurance Departments COVID-19 Update – Interactive Map

January 25, 2021 | 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.

Allianz Risk Barometer 2021 Top 10 Results Globally and in the U.S.

January 25, 2021 | Core Article Library;Discussion

A synopsis of the 2021 Allianz Risk Barometer of the top 10 most important risks in the insurance industry for 2021.

FC&S Tutorial

January 22, 2021 | Discussion;Webcast

A brief tutorial of the FC&S platform, including how to find forms, perform a search, and ask questions.

Meet the FC&S Editorial Advisory Board

January 21, 2021 | Core Article Library;Discussion

This article introduces FC&S's new Advisory Board.

Court: Law Does Not Preclude Enforcement of Policies Notice Requirements

January 20, 2021 | Historical Lit Watch

The New York Supreme Court, Appellate Division, has determined that in the case of a personal injury action that was reported after a renewal policy began, but outside of the depicted reporting periods, New York insurance law does not preclude enforcement of claims-made-and-reported policy's notice requirements.

Insurance Coverage Q&A: Insured and Tenant Liability Under Contract

January 19, 2021 | ISO Programs;Questions & Answers

Questions whether an insured can cap the amount of liability under a tenant lease when insured under the CGL.

Fraud of the Week: You Can't Just Make Stuff Up

January 18, 2021 | Discussion

Fraudulent claim for water damage to fictitious property.

Personal Auto Snowmobile Endorsement PP 03 20 Analysis

January 18, 2021 | Contract Analysis

This article explains the coverage provided by the snowmobile endorsement PP 03 20 that can be attached to a personal auto policy.

Does Insurer have a Duty to Defend Vape Store in Personal Injury Suit?

January 14, 2021 | Historical Lit Watch

The suit was brought against a vape store by a customer who suffered severe burns after e-cigarette batteries exploded in his pocket.

Overview of FC&S D&O 2021

January 13, 2021 | Discussion

This overview provides a review of the history of the development of D&O coverage as well as current emerging risks and expectations for the year 2021.

Fraud of the Week: Frosty Wasn't Involved

January 12, 2021 | Discussion

Insured hires someone to deliberately damage snowmobile.

Insurance Dictionary

January 12, 2021 | Core Article Library;Discussion;Glossary

This glossary serves as a resource of various insurance terms and concepts.

PP 03 20 09 18 Snowmobile Endorsement

January 11, 2021 | Endorsements;Form

PP 03 20 09 18 Snowmobile Endorsement

HO P 081 11 17 Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfaces Advisory Notice

January 11, 2021 | Endorsements;Form

HO P 081 11 17 Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfaces Advisory Notice

HO 04 93 05 11 Actual Cash Value Loss Settlement for Windstorm or Hail Losses to Roof Surfaces

January 11, 2021 | Endorsements;Form

HO 04 93 05 11 Actual Cash Value Loss Settlement for Windstorm or Hail Losses to Roof Surfaces

ISO PERSONAL AUTO FORMS LIST

January 11, 2021 | Charts;Endorsements;Form

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

Insurance Coverage Q&A: Cross Suits Exclusion

January 11, 2021 | Questions & Answers

Discusses the impact of the cross suits exclusion in excluding all inter-company suits.

Insurance Coverage Q&A: Ice Damming - Commercial Property Claims

January 11, 2021 | Discussion;ISO Programs;Questions & Answers

Presents several claim questions regarding ice damming as a cause of loss on commercial properties.

Two Brokers, Two Insurers, No D&O Coverage!

January 11, 2021 | Discussion

This case study by Gary Griffin shows what can go wrong with a claims-made policy and an event that isn't totally clear.

Data Breach Notification Laws by State - Archive

January 10, 2021 | Charts;Core Article Library;Discussion

This article provides information on data breach notification laws including a state by state chart.

Public or Livery Conveyance

January 07, 2021 | Discussion

 Public or Livery Conveyance Reviewed January 7, 2021 cases verifed. Exclusion in Private Passenger Auto Policies  Summary: Questions…

Public or Livery Conveyance Exclusion Endorsement

January 07, 2021 | Discussion;Endorsements;ISO Programs

Updated January 7, 2021  With the popularity and attention ride-sharing has received, it is no wonder that new endorsements have been created. The…

Sea Captain Gets $11M After Injury on Unseaworthy Vessel

January 06, 2021 | Historical Lit Watch

An appeals court in New Orleans has unanimously affirmed a district court's ruling that a sea captain is entitled to more than $11 million in lost future earnings after he was injured tripping over a stair in a hatch door, despite being the employee of no one.

Court Refuses to Dismiss COVID Suit Based on Communicable Disease Endorsement

January 04, 2021 | Historical Lit Watch

A California federal district court has refused to dismiss a COVID-19 related coverage suit filed by a San Diego preschool against it's insurer based on a communicable disease exclusion in the school's insurance policy.

Insurance Coverage Q&A: Can ALE Come into Play When Limits are Exceeded?

January 04, 2021 | Questions & Answers

Discusses payment for storage of contents when limits are exceeded.

Fraud of the Week: You're Supposed to Own the Property You Claim was Stolen

January 04, 2021 | Discussion

Fraudulent receipts lead to jail.

Duty to Defend

January 04, 2021 | Core Article Library;Discussion

Discusses the duty to defend under homeowners and commercial policies, highlighting certain supportive cases.

CU 25 62 10 13 Changes To The Bankruptcy Or Insolvency Exclusion For Acts, Errors Or Omissions Liability Coverages

January 03, 2021 | Endorsements;Form;ISO Programs

CA 25 62 10 13 Changes To The Bankruptcy Or Insolvency Exclusion For Acts, Errors Or Omissions Liability Coverages

January 03, 2021 | Endorsements;Form;ISO Programs

CG 20 24 04 13 Additional Insured - Owners Or Other Interests From Whom Land Has Been Leased

January 03, 2021 | Endorsements;Form;ISO Programs

Fraud of the Week: Premiums are Not a Slush Fund

December 28, 2020 | Discussion

An employee diverts thousands of dollars for his personal use from customer funds.

How to Protect Vacant Commercial Buildings

December 28, 2020 | Discussion

Discusses five risks facing unoccupied commercial properties and eight ways to avoid the risks.

Insurance Coverage Q&A: Other Insurance – Primary and Noncontributory Provision

December 28, 2020 | Endorsements;ISO Programs;Questions & Answers

Questions a comparison of the primary and noncontributory additional insured language in a Travelers specific policy as compared to the ISO endorsement CG 20 01.

Disaster Compendium Part I Tornadoes and Hurricanes

December 21, 2020 | Charts;Core Article Library

This is the first in a series of charts giving season, frequency, expected damages, and preparations for a variety of natural disasters.

Alabama and the Flood Market

December 21, 2020 | Core Article Library;Discussion

The Alabama Department of Insurance commissioned a survey to understand the private flood insurance market within the state.

Insurance Coverage Q&A: Stolen Silverware, Multiple Endorsements, and Loss Settlement

December 21, 2020 | Questions & Answers

Discusses coverage for scheduled silver when items are scheduled with the replacement cost endorsement on the policy as well.

Fraud of the Week: When Arson Goes to the Dogs

December 21, 2020 | Discussion

Describes State Farm's Arson Dog Program.

Insurer Sues Policyholder Over Coverage for Opioid Litigation

December 14, 2020 | Historical Lit Watch

In a 600 page complaint, the insurers are seeking a declaration that they are not obligated to defend or indemnify McKesson Corporation against lawsuits seeking to hold McKesson liable for its role in the opioids epidemic under insurance policies issued by AIG to McKesson.

Hard Market Conditions Expected in 2021

December 14, 2020 | Core Article Library;Discussion

Discusses expectations of hard market continuing into 2021 based on Willis Towers Watson (WTW) in its 2021 Insurance Marketplace Realities Report.