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.

Extreme Obesity Alone is Not Enough for ADA Coverage

September 16, 2019 | Historical Lit Watch

A federal appeals court has refused to revive an employee's suit accusing a past employer of illegally firing him because he was morbidly obese. The court stated that the plaintiff could not show that he was fired due to his weight, and in doing so failed to address the broader issue of whether obesity qualifies as a protected disability under the Americans with Disabilities Act.
Blinds and Curtains - Dwelling or Personal Property?

September 16, 2019 | Questions & Answers

Discusses whether blinds and curtains are part of the dwelling or personal property.
Material Misrepresentation

September 16, 2019 | Discussion

This article appears in the October 2019 edition of Claims Magazine, and defines and explains material misrepresentation.
CP 00 32 10 12 Business Income (w/o Extra Expense)

September 13, 2019 | Form

CP 00 32 10 12 Business Income (Without Extra Expense Coverage Form).
California Assembly Bill 5, Ride-sharing, and Other Workers

September 12, 2019 | Discussion

Reviews the freshly passed California bill redefining employees, which will significantly impact the ride-sharing industry.
ACV or Sale Price?

September 09, 2019 | Questions & Answers

Our insured's customized van 2013 Dodge Caravan was totaled in an automobile accident on 8/30/19. CCC Valuation came in at $37,237.09. The insured has…
Replacement Cost Coverage Requires Aesthetic Matching in Hailstorm Claim, Says Seventh Circuit.

September 09, 2019 | Historical Lit Watch

The seventh circuit court of appeals weighs in on the matching debate.
An Overview of Emerging Risks and Issues

September 09, 2019 | Core Article Library Discussion

We live in an ever-changing world. There is new technology, new products, and new thinking about a variety of topics that affect not only society as a…
Iowa Woman Charged with Presenting False Information

September 09, 2019

An Iowa woman has been charged with insurance fraud for presenting false information.
Insurance Department Storm Preparations and Responses

September 04, 2019 | Core Article Library Discussion

This article provides current actions by insurance departments bracing for Hurricane Dorian.

Insurance Bill Approved Regarding Out-of-State Adjusters

September 03, 2019 | Discussion

Highlights new bill concerning adjusters going to governor for signature.
Hurricane and Flood Articles

September 03, 2019 | Core Article Library Discussion

This article provides links to many of our our articles on flood insurance, flood preparation, flood policies, and other flood issues.
South Carolina Insurance Department Emergency Adjuster/Appraiser Bulletin Released

September 03, 2019 | Core Article Library

South Carolina emergency bulletin summerized.
Injured Uber Driver was not Covered by Uber's Insurer

September 03, 2019 | Historical Lit Watch

An Uber driver who was injured after dropping off a passenger on her return trip to the city she worked out of, is not covered by Uber's insurance policies.
Question of Duty to Inventory Loss Condition

September 02, 2019 | ISO Programs Questions & Answers

Questions if the duty to inventory loss condition applies to any property other than personal property.
Update: Pastor and Wife Burn Church for Insurance Money

September 02, 2019

Pastor died of heart attack after confessing to arson of his church.
Does My Business Need Flood Insurance?

September 02, 2019 | ISO Programs

Discusses flood from the perspective of a business need and available flood coverage.
State Farm Receives Cease and Desist Order

August 27, 2019 | Core Article Library Discussion

This article discusses the recent cease and desist order given to State Farm by the state of Louisiana.
Resident Driver Exclusion is Upheld by the Superior Court.

August 26, 2019 | Historical Lit Watch

The Pennsylvania Supreme Court has ruled unanimously that unregistered driver exclusions in auto insurance policies do not violate public policy or the Pennsylvania Motor Vehicle Financial Responsibility Law (PMVFR).
Claim Involving Multiple Deductibles

August 26, 2019 | Questions & Answers

Questions the amount of deductible that applies to each part of a storm claim for damages when multiple deductibles are on the policy.

Owner of Roofing Company Failed to Report Any Employees

August 26, 2019

A California roofer has been found guilty of underreporting payroll and failing to pay workers' compensation premiums.
Clarifying Law Around Insurance of Marijuana Act

August 19, 2019 | Core Article Library Discussion

This article explains the new law surrounding insurance and marijuana.
Coverage For Damages When Theft Exclusion Is On Policy

August 19, 2019 | Questions & Answers

Questions coverage for damages that occurred during break-in when the theft exclusion is on the policy.
California Department of Insurance Doles Out Largest P and C Fine in its History

August 19, 2019

After several warnings to Mercury Insurance Company, the California Department of Insurance doled out a $27.6 million fine for violation of Proposition 103.
California Supreme Court Says Confidentiality Agreement Binds Lawyer.

August 16, 2019 | Historical Lit Watch

The California Supreme Court has decided that if a lawyer signs a settlement agreement approving “as to form and content”, that lawyer may be bound by that agreement’s confidentiality provisions.
DP 00 02 07 88

August 15, 2019 | Form

Dwelling Fire Policy Broad Form DP 00 02 07 88.
Pastor and Wife Burned Church Down for Insurance Money

August 12, 2019

A pastor and his wife have been charged with arson after burning down their church for the insurance money.
Is a Counterfeit Cashiers Check “False Pretenses”

August 12, 2019 | Questions & Answers

Are losses from a counterfeit cashiers check covered under the False Pretenses endorsement?
Exclusions for "War" Did Not Bar Insurance Coverage for Damage Caused by Hamas Rockets.

August 12, 2019 | Historical Lit Watch

The US Court of Appeals for the Ninth Circuit has ruled that an insurance company could not rely on two “war” exclusions in the policy to deny coverage to the insured for damages that the insured suffered after Hamas fired rockets from Gaza into Israel.
What Is Crop Insurance?

August 11, 2019 | Core Article Library Discussion Other Programs

A brief history and overview of crop-hail insurance and the federal crop insurance program.

Tenant Interest in Improvements and Betterments After Loss

August 05, 2019 | ISO Programs Questions & Answers

Question of tenant's interest to claim payment for improvements and betterments calculated in landlord's fire loss settlement.
Carpenter Ants, Termites, and Mulch, Oh My!

August 05, 2019 | Discussion

Discusses issues with mulch and landscaping.
Camper Injured in Zipline Fall Not Covered by Camp's Insurer

August 05, 2019 | Historical Lit Watch

The US Court of Appeals for the Eighth Circuit ruled that the insurer of a bible conference center was not liable for injuries suffered by a child who fell from a zip line suspended 50 feet in the air.
Fraudster Elaborately Fakes Death for $2 Million

August 05, 2019

A man from Plymouth Minnesota has pleaded guilty to faking his own death for $2 million in life insurance proceeds.
AG 99 07 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion - Agricultural Capital Assets- first edition of the form.
OP 99 08 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion with Hemp Exception - Capital Assets Program (Output policy) - first edition.
CM 99 06 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion with Hemp Exception - first edition.
Injuries Suffered During On-the Job Horseplay May be Compensable Under Workers' Compensation.

July 29, 2019 | Historical Lit Watch

Workers' Compensation insurance must pay for workers' injuries that are suffered during on-the-job horseplay.
CM 99 05 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion - First edition.
CA 27 13 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion with Hemp Exception for General Liability Coverages - First edition.

CP 99 03 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion - Commercial Property. First edition.
OP 99 07 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion - Capital Assets Program. First edition.
CP 99 04 12 19

July 29, 2019 | Form

Cannabis Exclusion with Hemp Exception Commercial Property. First edition.
AG 99 08 12 19

July 29, 2019 | Form ISO Programs

Cannabis Exclusion with Hemp Exception - Agricultural Capital Assets Program. First edition.
CA 27 12 12 19

July 29, 2019 | Form

Cannabis Exclusion for General Liability Coverages. First edition.
ISO Commercial Lines Cannabis Exclusions

July 29, 2019 | Contract Analysis ISO Programs

This article explains the new cannabis exclusions for agricultural capital, commercial auto, commercial property, inland marine, and capital assets policies.
Debris Removal and Coverage Extensions

July 29, 2019 | Questions & Answers

Discusses endorsement that increases coverage A and how that affects the debris removal coverage.
Workers' Compensation Embezzlement - California - July 29, 2019

July 29, 2019

Fraud of the Week July 29, 2019 Workers' Compensation Embezzlement — California Amount: $995,000 A Los Angeles man has been sentenced…
Fraudster Receives $350k for Home Worth $84k

July 22, 2019

A Massachusetts man received $350,000 for his second home in Maine, which was purchased for $84,000 in 2014.
52-Day Delay in Disclaiming Coverage Did Not Violate a Requirement for Timely Disclaimer

July 22, 2019 | Historical Lit Watch

The Second Circuit recently confirmed that a liability insurer that waits to deny coverage so that it can investigate the facts giving rise to the disclaimer will not be estopped from denying coverage provided that the insurer does not use the investigation as a tactic to delay the disclaimer.

Sporting Goods and Roof Tiles

July 22, 2019 | Questions & Answers

What happens when a new basketball hoop leads to roof damage?
Earthquakes and Insurance

July 22, 2019 | Discussion ISO Programs

Discusses what is an earthquake, causes of earthquakes and provides information on earthquake insurance.
Basic Auto Policy Endorsements

July 15, 2019 | Discussion

This article is a good beginning to help insureds understand some basic endorsements.
Six Fires Later, Woman Charged with Second-Degree Arson and Insurance Fraud

July 15, 2019

Six house fires erupt over a twelve-year span in homes where one woman lives, suspicions build.
Amazon.com Inc. May be Held Liable for Third-Party Product Liability

July 15, 2019 | Historical Lit Watch

After a malfunctioning dog collar caused a woman to lose the sight in one eye, Amazon.com may find itself liable for her injuries, despite the fact that the collar was ordered from a third-party vendor.
Building Renovation and Vacancy Provision

July 15, 2019 | ISO Programs Questions & Answers

Question regarding whether the vacancy exclusions apply to a building under renovation damaged during the period of construction.
Bad Faith. Even if it's the Stance of your Employer, You Could Suffer the Consequences.

July 15, 2019 | Historical Lit Watch

The Court of Appeals of Washington, Division One decided this week that all persons engaged in the business of insurance, including individual adjusters, may be liable for bad faith and violating Washington's Consumer Protection Act, whether or not there is a contractual relationship between the parties.
PR 04 01 09 08

July 09, 2019 | Form ISO Programs

Contractual Liability Coverage Extension; modifies Hospital Liability Coverage Part.
School Bus Drivers Stole Students Identities to File False Insurance Claims

July 08, 2019

Twelve school bus employees out of Miama-Dade Florida have been using the personal information of children who ride their school busses to file fraudulent insurance claims netting over $420,000.
Employee Injured on Long Break Entitled to Workers' Comp Benefits.

July 08, 2019 | Historical Lit Watch

An employee who was injured during an extended break between two shifts is entitled to compensation benefits, because but-for her employment she would not have been exposed to the injuries she suffered.

Which Deductible Applies to Wind and Lightning Loss

July 08, 2019 | ISO Programs Questions & Answers

Question regarding application of deductible on loss that has wind and lightning damage when multiple deductibles are on the policy for wind or hail and all other causes of loss.
Food Contamination Coverage

July 08, 2019 | Discussion Endorsements ISO Programs

Discusses the need for food contamination coverage and the coverage provided by the BOP endorsement BP 04 31, Food Contamination Endorsement.
Florida Assignment of Benefits Reform Bill

July 02, 2019 | Discussion

This article discusses Florida H.B. 7065, Assignment Agreements, which takes effect July 1, 2019. This bill addresses the abuse of insurance agreements commonly known as assignment of benefits (AOB) agreements in Florida.
National Insurance Awareness Day - June 28

July 01, 2019 | Discussion ISO Programs Other Programs

June 28 is National Insurance Awareness Day. This day is a reminder to check all of your insurance needs and make sure that your current coverage needs are met.
Is 0% Interest Covered under the PAP?

July 01, 2019 | Questions & Answers

Is 0% interest owed under the personal auto policy as legitimate damages?
Seventh Circuit Affirms Dismissal of Bad Faith Action Against Insurer

July 01, 2019 | Historical Lit Watch

The Seventh Circuit affirmed the dismissal of a bad faith action against the insurer after an unexpected excess judgment.
Businessman Filed Claim for Creditor Seized Property

July 01, 2019

A businessman filed claims for agricultural equipment that had not been stolen but instead had been seized by his creditors.
Florida Autonomous Vehicles Bill

June 24, 2019 | Discussion

Explains the new Florida law allowing autonomous vehicles on the road without a safety driver effective July 1, 2019.
Unlicensed Professional was not Providing “Professional Services”

June 24, 2019 | Historical Lit Watch

An unlicensed therapist provided services to a young boy who later killed himself.
Fraud: Woman Damages Car on Imaginary Concrete Barrier

June 24, 2019

A woman tells her insurer that she hit a concrete barrier in an intersection, a barrier that was never existant in that intersection.

Credit Card Loss - Voluntary Parting

June 24, 2019 | Questions & Answers

A question of fraudulent use of credit card and the exclusion for voluntary parting.
Insurer Owed Duty to Defend to County for Wrongful Imprisonment and Subsequent Injuries

June 17, 2019 | Historical Lit Watch

Insurers have a duty to defend the county against the estates of three men who were falsely imprisoned, and during their imprisonment suffered life-threatening and eventually deadly illnesses and injuries.
Contaminated Fuel in Equipment Motor

June 17, 2019 | Company Specific Programs Questions & Answers

Question regarding whether coverage is provided for insured's mobile equipment damaged by contaminated fuel.
ISO Personal Flood Policy

June 17, 2019 | Contract Analysis ISO Programs

This article analyzes the new ISO Personal Flood Form FD 00 01 11 18.
Trolley Driver Orchestrates Own Attack by Michael Myers Impersonator

June 17, 2019

A former trolley driver was caught paying a friend $2000 to dress up like Michael Myers and attack the driver 2 days before Halloween, in an attempt to fraudulently receive workers' compensation proceeds.
Comprehensive Flood Bill Passes House

June 13, 2019 | Discussion

Briefly describes the flood bill that passed the House.
FD 00 01 11 18 ISO Personal Flood Policy First Edition

June 12, 2019 | Form ISO Programs

ISO's new Personal Flood Policy.
Inmates Drink Cleaning Fluid to Cash in on County Insurance

June 10, 2019

Fraud of the WeekJune 10, 2019Liability Fraud — FloridaAmount: Unknown Several inmates in a jail in the Florida Panhandle have faked…
Insurer Not Obligated to Cover Homebuilder Due to No Occurrence

June 10, 2019 | Historical Lit Watch

Sometimes, what seems to be an occurrence may not be an occurrence.
Medical Marijuana and Workers Compensation

June 10, 2019 | Discussion

A discussion of how the legalization of medical marijuana is beginning to affect workers compensation and issues to consider.

Business Interruption Claim - Question of Economic Loss

June 10, 2019 | Company Specific Programs Questions & Answers

Question regarding whether there is coverage for business interruption following Hurricane Maria, or if the exclusion for extended business income due to economic loss applies.
Golfer's Equipment Form

June 07, 2019 | Contract Analysis ISO Programs

This article reviews the Golfers Equipment Form PM 00 16.
Trailer Hits Lead Car, Comp or Collision?

June 03, 2019 | Questions & Answers

June 3, 2019Collision v. Comprehensive on a standard personal auto policy: A pickup with a small attached utility trailer was backing up. While backing…
Florida Court Narrows Exception to Four-Corners Rule

June 03, 2019 | Historical Lit Watch

June 3, 2019The Court of Appeal of Florida, Third District reversed and remanded the decision of the lower court, narrowing the exception…
The Death of Your Brand New Car

June 03, 2019 | Core Article Library Discussion

What happens when a brand new vehicle is totaled.
Slip and Fall Fraud - New York

June 03, 2019

Fraudsters are responsible for $31 million in fraudulent slip-and-fall cases.
Introduction to FC&S D&O

June 01, 2019 | Discussion

Historical overview of directors and officers liability insurance, as well as instruction on using FC&S D&O. Contributing editors are identified.
Claims-Made Coverage Features

June 01, 2019 | Discussion

This article explains claims made coverage under D&O policies.
Raccoon Nest and Clean up

May 28, 2019 | Questions & Answers

Discusses clean up of attic when raccoon made a nest and a mess.
Sudden and Accidental - Is it Really a Thing?

May 28, 2019 | Core Article Library Discussion

This column for National Underwriter P&C discusses the concept of "sudden and accidental" and how it is not required for most covered losses.

Insurer Not Obligated to Pay Settlement to Parents of Suicide Victim

May 28, 2019 | Historical Lit Watch

May 28, 2019Upholding the lower court's ruling, the U.S. Court of Appeals for the Eleventh Circuit has ruled that a Chubb Ltd. unit is not obligated…
After a Quake: Insurance Coverage in Earthquake Disasters

May 27, 2019 | Discussion ISO Programs

On January 12, 2010, a magnitude 7.0 earthquake struck the island of Haiti. The quake affected almost 3 million people, and aid was provided by many…
Auto Fraud- New York

May 27, 2019

Amount: UnknownA police officer for the Town of Tonawanda, whose employment has been suspended, pleaded not guilty to charges of falsifying business…
Tennessee Supreme Court Determines Depreciation is Ambiguous and Thus Labor Will Not be Depreciated

May 20, 2019 | Historical Lit Watch

The Supreme Court of Tennessee has decided that when calculating the actual cash value (ACV) of property damage, the labor cannot be depreciated.
Bishop Fraud - Leeds, London

May 20, 2019

Fraud of the WeekMay 20, 2019False Claim Fraud — Leeds, LondonAmount: UnknownA bishop in Leeds, London has used the information of two citizens…
They Don't Really Cut out Your Heart: The Truth about Underwriting

May 20, 2019 | Core Article Library Discussion

This National Underwriter Column discusses the role of the underwriter.
Is a Septic Tank a Sewer?

May 20, 2019 | Questions & Answers

Discusses septic tanks acting as sewers.
HO 04 85 10 00

May 16, 2019 | Form ISO Programs

Fire Department Clause (Subscription contract services)
HO 04 41 10 00

May 15, 2019 | Form ISO Programs

Additional Insured Residence Premises
HO 05 27 05 11

May 15, 2019 | Form ISO Programs

Additional Insured- Student Living Away from the Residence Premises

Resources

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 ›
Cybersecurity Claims Management: Closing the Vulnerability Gap

From Global Technical Services, A Crawford Company

The expansion of the connected “internet of things” (IoT) devices creates more cyberattack targets. Are you set up to limit exposure?

Download Resource ›
Insurance Best Practices: Three Steps to Enable Automation and Cost Savings

From Canon Business Process Services

Make sure you maximize your competitive position and profits by learning how to run your business smarter -- with incremental performance improvements.

Download Resource ›
New Ways to Assess & Score Wildfire Risk

From Athenium Analytics

Each year seems to see more costly wildfires. Learn how you can properly identify and assess risk when writing policies.

Download Resource ›
Today's Large & Complex Claims Landscape: Preparing for the Perfect Storm

From Global Technical Services, A Crawford Company

It’s important insurers learn lessons from the heavy hurricane seasons of recent memory and ensure the best possible resources are deployed to work the frontlines of the next catastrophe.

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 ›
Agency Guide: 3 Keys to Employee Retention

From Vertafore

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

Download Resource ›
Guard Against Cyber and Fraud Loss

From Hiscox

The rewards, challenges and day-to-day responsibilities of running a business are great. The need to protect a business from a cyber incident or fraud is even greater. Hiscox thought leadership helps you arm your clients with the insight they need to shield their businesses from today s most significant risks.

Download Resource ›
Risk Management Checklist: Are You Helping Clients Navigate Their Critical Areas of Risk?

From KPA

Use this tool to keep track of all the areas of risk your clients might be exposed to and ensure you’re helping cover them all.

Download Resource ›
Commercial Insurance Rating in a Rapidly Changing Market

From LexisNexis Risk Solutions

Learn how multi-sourced risk scoring can turn challenges into opportunities.

Download Resource ›
How to Protect Your Portfolio Against Rising Flood Risk

From Athenium Analytics

Learn how to use a new risk scoring model to plan for inland flooding as this pervasive threat continues to rise.

Download Resource ›
How to Be Indispensable to Your Clients

From KPA

Prices in the market continue to be competitive, putting a strain on your sales. Here’s how to get ahead of your peers.

Download Resource ›
Overcoming Market Saturation: How Producers Can Grow Their Book of Business

From KPA

Use this no-nonsense approach to grow your book of business and gain a competitive edge. Learn why differentiation could be your best marketing strategy.

Download Resource ›
Insurer Self Assessment: Navigating Industry Change

From LexisNexis Risk Solutions

Get an individualized report that will help you compare your progress to peers, prioritize, and effectively navigate the changing industry.

Download Resource ›
A Time of Change in Small Commercial Insurance: Turning Gaps into Opportunities

From LexisNexis Risk Solutions

There are clear gaps within current processes and capabilities that you can turn into actionable opportunities. Find out how to take action now.

Download Resource ›

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Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!