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.

Financial Institution Bond – Banks and Savings Institutions (Aggregate Form) General Agreements

February 17, 2020 | Contract Analysis;ISO Programs

This article analyzes the general conditions section of the Financial Institution Bond - Banks and Savings Institutions (Aggregate Form) General Agreements FI 00 60.
Damage to Dividing Wall of Leased Premises

February 17, 2020 | Questions & Answers

Discusses property damage liability when insured operations damaged the dividing wall of an adjacent space.
The Case of the Burned Chicken

February 17, 2020 | Discussion

A group of people used chicken as their preferred method to set houses on fire.
ISO Provides Business Interruption Endorsement in Response to Coronavirus

February 15, 2020 | Contract Analysis

This article explains optional endorsements for Business Income losses due to the Coronavirus.
New Repeatedly Flooded Property Bill

February 14, 2020 | Core Article Library;Discussion

Discusses new flood bill submitted to strengthen protections for flood-prone communities.
Is BOP Coverage Triggered by Ransomware Attack?

February 12, 2020 | Historical Lit Watch

The US District Court for the District of MD discusses whether a businessowners policy should cover losses from ransomware attack.
Must Insurer Cover Part of $28m Beatrice Six Judgment?

February 11, 2020 | Historical Lit Watch

The Nebraska Supreme Court says a NE county might be able to recoup costs to cover part of a $28 million judgment for the Beatrice Six wrongful convictions.
American Mutual Liability Insurance Company Comparison Worksheet 6200 06-82

February 10, 2020 | Charts

American Mutual Liability Insurance Company Umbrella Comparison Worksheet 6200 06-82
Allied Mutual Insurance Company Comparison Worksheet 2155 07-73

February 10, 2020 | Checklist

Allied Mutual Insurance Company Umbrella Comparison Worksheet 2155 07-73
Aetna Life and Casualty Comparison Worksheet UM0001 01-86

February 10, 2020 | Charts

Aetna Life and Casualty Umbrella Comparison Worksheet UM0001 01-86

AIU Insurance Company Comparison Worksheet 60556 6-94

February 10, 2020 | Charts

AIU Insurance Company Umbrella Comparison Worksheet 60556 6-94
ACE Comparison Worksheet XS-20835 08-06

February 10, 2020 | Charts

ACE Umbrella Comparison Worksheet XS-20835 08-06
Insurance Coverage Q&A: Earthquake Damage to Hydraulic Lifters

February 10, 2020 | Endorsements;ISO Programs;Questions & Answers

This discusses the earthquake occurrence and coverage application for earthquake and business income coverages when an earthquake continues beyond 168 hours, and when an insured is mandated not to continue use of hydraulic lifters to prevent further property damage.
Phantom Passengers and Pre-existing Damage

February 10, 2020 | Discussion

A British couple pads their auto claim.
Class and Exam Exemptions for Licensing Requirements - January 31, 2020

February 10, 2020 | Charts;Core Article Library

This chart lists what exemptions are allowed for producer and adjuster licensing classes or exams.
New York State and the NRA; an Update

February 06, 2020 | Core Article Library;Discussion

The latest in ongoing issues between the NRA and the State of New York regarding the NRA's insurance coverage.
Insurance and Viruses- 2020 Update

February 05, 2020 | Core Article Library;Discussion

This article discusses insurance issues related to pandemics.
Insurer Labels Fiance as 'Concubine' to Avoid Paying Benefits

February 04, 2020 | Historical Lit Watch

A woman and her newborn are entitled to survivor benefits after death of fiance and father, but employer does not have to pay for mishandling the WC claim.
New Micro-Businessowners Program

February 03, 2020 | Discussion;Form;ISO Programs

This discussion provides an overview of the new ISO Micro-Businessowners Program, including program eligibility, coverages, and available endorsements.
Four Corners Rule Prevails in Tenth Circuit

February 03, 2020 | Historical Lit Watch

A complaint failed to trigger a duty to defend because it failed to state any facts that could give rise to a claim covered by the policy.

Agent Commits Premium Finance Fraud

February 03, 2020 |

A Washington agent created fake trucking companies to obtain premium finance loans.
Frogs in the Crawl Space

February 03, 2020 | Questions & Answers

Discusses clean up of frogs from a crawl space.
Four Corners Rule Prevails in Tenth Circuit

January 31, 2020 | Historical Lit Watch

A complaint failed to trigger a duty to defend because it failed to state any facts that could give rise to a claim covered by the policy.
Micro-Businessowners Program Service Classifications

January 27, 2020 | Charts;ISO Programs

Eligible classifications for ISO Micro-Businessowners Program Service risks.
Agent Caught Fabricating Documents

January 27, 2020 | AAIS Programs;Discussion

The revocation of an agent's license for fraudulent and deceptive practices.
Introduction to ISO Micro-Businessowners Program

January 27, 2020 | Contract Analysis;Core Article Library;ISO Programs

Effective 4/1/2020, ISO will be introducting 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.
Insurance Dictionary

January 27, 2020 | Core Article Library;Discussion;Glossary

This glossary serves as a resource of various insurance terms and concepts.
Paint — Dwelling or Personal Property?

January 27, 2020 | Questions & Answers

Discusses cans of paint and other items to be used on the house that have not yet been opened.
Vaping – A National Epidemic

January 20, 2020 | Discussion;Endorsements;ISO Programs

Discusses the emerging risk of vaping and introduces two new ISO exclusion endorsements.
Accident Came Before Insurance

January 20, 2020 | Discussion

Another case of a vehicle being insured after the loss occurs, with the accident being reported after the policy is in force.

Insurance Coverage Q&A — Utility Services – Time Element Coverage

January 20, 2020 | ISO Programs;Questions & Answers

Discusses the waiting period that applies to utility services - time element coverage under endorsement CP 15 45.
Webinar 9/25/19 - Understanding Business Income Coverage - What your Clients Need to Know

January 16, 2020 | Webcast

Recording of webinar: Understanding Business Income Coverage - What Your Clients Need to Know presented on September 25, 2019.
Does Workers Comp. Have to Reimburse for Medical Marijuana?

January 15, 2020 | Historical Lit Watch

In a case of first impression, the Superior Court of New Jersey, Appellate Division, considers whether a workers' compensation judge can order an employer to reimburse an employee for the employee's use of medical marijuana prescribed for chronic pain following a work-related accident.
Two Members of Fraud Ring Sentenced to Prison

January 13, 2020 | Discussion

Members of fraud ring sentenced to federal prison and ordered to pay restitution for various types of fraud.
Vehicles and Combines

January 13, 2020 | Questions & Answers

Discusses whether a combine is considered a vehicle.
Still Another Example of Why You Should Read Your Policy

January 13, 2020 | Historical Lit Watch

The Sixth Circuit has ruled that a homeowner cannot reasonably interpret an ACV endorsement to his policy as creating additional coverage for damage to his roof from a windstorm.
Another One Bites The Dust: Trucking Companies In Demise

January 13, 2020 | Company Specific Programs;Discussion

2019 was a bad year for trucking company closures. The affordability of insurance is sharing the blame but other factors need to also be considered.
Health Insurance Dictionary

January 09, 2020 | Discussion

Dictionary of terms specific to health insurance.
Truck Crashing Ring Indicted

January 06, 2020 | Discussion

Details a group of men crashing into trucks for insurance benefits.
Claim Satisfied Despite $100k Deficit from what was Owed at Time of Loss

January 06, 2020 | Historical Lit Watch

The US District Court for the Northern District of Illinois has decided that despite denying a claim and later offering to pay it, the insurers offer satisfied its obligations under the policy.

Insuring A Snowplow Blade - Update

January 06, 2020 | ISO Programs;Questions & Answers

Discusses physical damage coverage for a snowplow blade attached to a pickup truck.
Financial Institution Bond - Banks and Savings Institutions (Aggregate Form) Insuring Agreements

January 06, 2020 | AAIS Programs;Contract Analysis

This article presents the insuring agreements for the Financial Institution Bond - Banks and Savings Institutions (Aggregate form) from ISO, FI 00 60 12 19.
D & O Terms and Concepts

January 02, 2020 | Core Article Library;Discussion

GLOSSARY By Dan Bailey, Esq. This material is provided by and reproduced with permission of Dan A. Bailey. Mr. Bailey is a member of the Columbus,…
Millions Awarded to Worker Claiming Asbestos-Materials Caused Mesothelioma

January 02, 2020 | Historical Lit Watch

A jury in New York has ruled that a company had to pay $6.4 million to a plaintiff who alleged that his mesothelioma had been caused by his exposure to…
ISO New and Revised Multistate Optional Commercial Liability Umbrella and Excess Endorsements

December 30, 2019 | Contract Analysis;Endorsements;ISO Programs

Analysis of ISO New and Revised Multistate Commercial Liability Umbrella and Excess Endorsements.
Contractor Scammer being Investigated

December 30, 2019 | Discussion

Contractor fraud after tornadoes.
Damage Caused by Ice Shove

December 30, 2019 | Questions & Answers

Discusses coverage when strong winds push ice off the water and onto land, damaging property.
Fence Coverage Under Businessowners Form

December 23, 2019 | Questions & Answers

Can the limit for fences under the BOP form be increased and if so, how?
Man Receives Comp Benefits as Pizza Deliveryman while Continuing to Drive Trucks

December 23, 2019 | Discussion

Driver receives comp while driving for other company.
ISO New and Revised Multistate Optional General Liability Endorsements Effective 12/1/19

December 23, 2019 | Contract Analysis;ISO Programs

ISO is introducing numerous new and revised optional endorsements available to the General Liability program, with a proposed effective date of December 1, 2019. This is an analysis of those endorsements.

California Nonrenewal Moratorium

December 20, 2019 | Discussion

Reviews the nonrenewal moratorium just enacted in California for property coverage.
Duty to Defend Not Satisfied By Putting Funds in Court Registry

December 18, 2019 | Historical Lit Watch

Does the duty to defend end when an insurer deposits funds into a court registry? Most courts say no.
Unconnected Structures for One Residence

December 16, 2019 | Questions & Answers

Discusses coverage for separate buildings that are one residence.
Man Pretends Brother is Alive for Years to Have a Chance at $11 million

December 16, 2019 |

A man cleverly pretended his brother was alive for years after he perished in order to claim over $5 million in life insurance.
Financial Institution Bond - Banks and Savings Institutions (Aggregate Form) Definitions

December 16, 2019 | Contract Analysis;ISO Programs

Analyzes the new Financial Institution Bond - Banks and Savings Institutions (Aggregate Form) FI 00 60 12 19.
MSO Common Provisions Form Section I MPL 01 01 11

December 09, 2019 | Contract Analysis;MSO Programs

This article discusses Section I of the MSO Common Provisions Form Section I MPL 01 01 11.
Crop Fraud Produced $18,000,000 for Farmer

December 09, 2019

A farmer stole over $18 million from several different entities and has been ordered to pay it all back.
Debris Removal and Partial Payment

December 09, 2019 | Questions & Answers

Discusses payment of debris removal before loss is settled.
Beach Ball Injury Sparks Conversation About the Serial Comma

December 09, 2019 | Historical Lit Watch

Serial commas can still carry legal significance, as is shown in this case where the court read the exclusion with serial commas, resulting in the preclusion of the insured from defense for a suit arising from an injury caused by a giant inflatable beach ball.
Welcome to the Improved FC&S

December 05, 2019

As with all technology, the FC&S platform was showing its age, and it was time for an upgrade. Since early last year, the editors worked with our Product…

MSO Businessowners Policy BU 04 01 Part I

December 02, 2019 | Contract Analysis

This article analyzes the MSO Businessowners form BU 04 01.
Man Pushed SUV Off Cliff, Reported It Stolen

December 02, 2019

An Ohio man was caught on surveillance video pushing his car off of a cliff and later reported the vehicle as stolen.
Insurer Must Defend Motel in Trafficking Case

December 02, 2019 | Historical Lit Watch

A U.S District Court decided that insurer had to defend motel in human sex and labor trafficking case.
Water and Sewer Backup Endorsement - NY

December 02, 2019 | ISO Programs;Questions & Answers

Difference between surface water and water backup from sewers and drains is questioned.
A Great Subscriber Opportunity

November 27, 2019 | Core Article Library

Opportunity to test and discuss new features.
Ex-Sheriff Deputy Gave Dept. Issued Firearm to Ex-Inmate, Ex-Boyfriend

November 26, 2019

In a failure of judgment, an ex-sheriff's deputy gave her department-issued firearm to her ex-boyfriend, who also happened to be a former county jail inmate, and then reported the firearm on an insurance claim as being stolen from her home in a burglary.
Driver was Not Occupying Parked Car While Walking To The Vehicle.

November 26, 2019 | Historical Lit Watch

The Supreme Court of New Hampshire ruled that a man was not entitled to coverage under his automobile insurance policy for injuries he suffered when he was struck by an uninsured vehicle while crossing a street to his own parked car.
MSO General Property Form MCP 010 06 12

November 25, 2019 | Contract Analysis;MSO Programs

MSO General Property Form—MCP 010 06 12 Updated November 25, 2019 June 20, 2013 Summary : The cornerstone of the MSO commercial property program…
Care, Custody and Control - Items in Locker and Vehicle in Lot

November 25, 2019 | Questions & Answers

Discussion of care, custody or control exclusion when only part of property is in care, custody or control.
MPL 01 05 14 MSO Common Provisions Form Homeowners

November 21, 2019 | Form;MSO Programs

The Common Provisions Form MPL 01 05 14 for MSO Homeowners Program.

FI 00 60 12 19 ISO Financial Institution Bond - Banks and Savings Institutions (Aggregate Form)

November 21, 2019 | Form;ISO Programs

FI 00 60 12 19 ISO Financial Institution Bond - Banks and Savings Institutions (Aggregate Form)
Insurance Fraudster Claims Food Poisoning, Nets Over $204K

November 18, 2019

A New Hampshire woman has pleaded guilty for participating in an insurance fraud scheme involving claiming food poisoning from several restaurants and food companies.
MSO Mandatory Endorsements - Fracking Exclusions

November 18, 2019 | Contract Analysis;MSO Programs

Highlights the new fracking exclusion added to certain mandatory state endorsements.
UM/UIM Exclusion Does Not Apply in Rental Vehicle Case

November 18, 2019 | Historical Lit Watch

In a case of first impression, a Connecticut court ruled that the UM/UIM exclusion did not apply in this case involving the insurance coverage of a rental car.
Loss Assessment Coverage and Policy Period

November 18, 2019 | Questions & Answers

Discusses timing of loss assessment claim and policy period and date of loss.
Announcing Cannabis in the Workplace Webinar.....

November 14, 2019 | Discussion

Provides details and registration link for a Cannabis in the Workplace webinar.
Chemo Drugs and Your Septic Tank

November 11, 2019 | Questions & Answers

When a patient's chemotherapy waste affects the septic tank, is there coverage?
Drones - Where are We Now?

November 11, 2019 | Core Article Library;Discussion

This article provides an overview of current drone capabilities and insurance, including a list of FC&S articles on drones.
$1,400 Burglary Turned into $80,000 Claim

November 11, 2019

An Indianapolis man falsely filed an insurance claim for $80,000 worth of belongings stolen from his apartment when only $1,400 had actually been stolen.
MSO Businessowners Policy BU 04 01 01 10 Part II

November 11, 2019 | Contract Analysis

MSO BUSINESSOWNERS POLICY—BU 04 01 01 10 PART II Updated November 11 2019 September 28, 2012 Summary: MSO's Businessowners policy (BOP)…

Mobile Gym Considered Premises Instead of Uninsured Vehicle

November 11, 2019 | Historical Lit Watch

A mobile gym, operating out of the back of a truck, was not an insured auto for the purposes of the auto insurance policy of a woman who was injured while training in the mobile gym.
BU 04 07 01 10 - MSO Landlord Businessowners Policy

November 08, 2019 | Form;MSO Programs

BU 04 07 01 10 - MSO Landlord Businessowners Policy.
MSO HOMEOWNERS MHO 3 Analysis

November 08, 2019 | Contract Analysis;MSO Programs

An analysis of the MSO MHO 3 09 10 policy.
BU 08 20 08 15 - MSO Mandatory Businessowners Endorsement New Jersey

November 08, 2019 | Form;MSO Programs

BU 08 20 08 15 - MSO Mandatory Businessowners Endorsement New Jersey
MPL 100 03 19 -MSO Personal Umbrella Policy

November 08, 2019 | Form;MSO Programs

MPL 100 03 19 -MSO Personal Umbrella Policy, MD.
MHO 4 01 05 - MSO Tenants Policy

November 08, 2019 | Form;MSO Programs

MHO 4 01 05 - MSO Tenants Policy, KY.
MPL 03 01 11 - MSO Common Provisions Personal Lines

November 08, 2019 | Form;MSO Programs

MPL 03 01 11 - MSO Common Provisions Personal Lines/Homeowners, KY.
MHO 2 01 05 - MSO Homeowners Policy Named Peril

November 08, 2019 | Form;MSO Programs

MHO 2 01 05 - MSO Homeowners Policy Named Peril, KY.
MGK 010 04 08 - MSO Garagekeepers Policy

November 08, 2019 | Form;MSO Programs

MGK 010 04 08 - MSO Garagekeepers Policy, MD.
MGP 010 06 14 - MSO Garage Policy

November 08, 2019 | Form;MSO Programs

MGP 010 06 14 - MSO Garage policy, MD.

MCA 010 11 14- MSO Commercial Auto Policy

November 08, 2019 | Form;MSO Programs

MCA 010 11 14- MSO Commercial Auto Policy, OH.
MCM 810 10 15 - MSO Mandatory Commercial Liability Endorsement Pennsylvania

November 08, 2019 | Form;MSO Programs
BU 04 02 10 12 - MSO Named Perils Businessowners Policy

November 08, 2019 | Form;MSO Programs

BU 04 02 10 12 - MSO Named Perils Businessowners Policy.
BU 08 10 10 15 - MSO Businessowners Mandatory Pennsylvania Endorsement

November 08, 2019 | Form;MSO Programs

BU 08 10 10 15 - MSO Businessowners Mandatory Pennsylvania Endorsement
MCL 790 05 16 - MSO Mandatory Commercial Umbrella Endorsement New Jersey

November 08, 2019 | Form;MSO Programs

MCL 790 05 16 - MSO Mandatory Commercial Umbrella Endorsement New Jersey
BU 04 06 01 10 - MSO Condo Association BOP Policy

November 08, 2019 | Form;Other Programs

BU 04 06 01 10 - MSO Condo Association Businessowners (BOP) Policy, MD.
MHO 5 09 10 -MSO Homeowners Open Perils Policy

November 08, 2019 | Form;MSO Programs

MHO 5 09 10 -MSO Homeowners Open Perils Policy, KY.
MCM 8 20 08 15 MSO Mandatory Endorsement New Jersey

November 08, 2019 | Form;MSO Programs

MCM 8 20 08 15 MSO Mandatory Endorsement New Jersey.
MCA 150 08 13 - MSO Truckers Policy

November 08, 2019 | Form;MSO Programs

MCA 150 08 13 - MSO Truckers Policy, MD.
MCL 780 05 16 - MSO Commercial Umbrella Pennsylvania

November 08, 2019 | Form;MSO Programs

MCL 780 05 16 - MSO Commercial Umbrella Pennsylvania Mandatory Endorsement.

Resources

Best Practices for Increasing Policyholder Retention and Satisfaction

From Contractor Connection

Why you need to provide an exceptional end-to-end experience for your policyholders and how to make it happen.

Download Resource ›
P&C Brokers: Help Your Clients Survive An OSHA Visit

From KPA

Are your clients ready for an OSHA inspection today? Do they understand the top 10 violations? Get the answers to prepare your clients.

Download Resource ›
5 Steps to Successfully Fulfill Requests for Copies of Claim Files

From ClaimFox

Ensure requests for copies of files don’t suck up all your adjusters’ time. Discover how to implement a process to handle these types of requests more productively.

Download Resource ›
Is Free Aerial Imagery Hurting Your Bottom Line?

From Athenium Analytics

When your underwriters use free tools, it may actually be costing you money. Discover why free is not all it’s cracked up to be.

Download Resource ›
Hype or Reality? The State of Artificial Intelligence and Machine Learning in the Insurance Industry

From LexisNexis Risk Solutions

Discover how you can get the most out of modern tools and make them work for you and your customers.

Download Resource ›
In a Crowded Market, Leavitt Group Finds a Key Differentiator

From KPA

Learn how the success of one company in better training and support of their agents pushed them ahead of the competition.

Download Resource ›
Use the Dentist Approach to Build Your Insurance Business

From KPA

While most people don’t enjoy going to the dentist, the way dentists typically approach their patient relationships can offer valuable guidance for your client interactions.

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 ›
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 ›
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 ›
Top 5 Benefits of Automating Your Claims Audits

From Athenium Analytics

Discover how to improve your QA and achieve actionable results with purpose-built automation solutions.

Download Resource ›
6 Steps to Improve Your Catastrophe Response Plan

From Athenium Analytics

Your customers need to know you’re still in control when a disaster strikes. Make sure your disaster management plan covers all the key areas.

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 ›
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 ›
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 ›
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 ›
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 ›

Browse More Resources →

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FC&S Expert Coverage Interpretation

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Resources

PropertyCasualty360

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