FCS Insurance

What's New

• When Things Fall from the Sky

  Feb 22, 2021 | Core Article Library Fcs

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

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

  Feb 22, 2021 | Commentary

  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.

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• Fraud of the Week: When the Homeowner Claim gets Fat

  Feb 22, 2021 | Discussion Fcs

  Fraud involving false damages and claim report.

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• Cell Phone Driving Laws by State

  Feb 22, 2021 | Charts

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

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

  Feb 22, 2021 | Questions Answers

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

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• Blanket Insurance: Everything You Need to Know

  Feb 22, 2021 | Discussion Fcs

  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.

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• Compensation is Owed to Worker Walking Own Dog

  Feb 17, 2021 | Historical Lit Watch

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

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• Robinhood Sued for Death of 20 Year Old Trader

  Feb 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.

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• When Hell Freezes Over - Winter 2021

  Feb 16, 2021 | Core Article Library Fcs

  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.

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• Frozen Pipes and the Polar Vortex

  Feb 16, 2021 | Discussion Fcs

  Discusses frozen pipe claims during a polar vortex.

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Personal Lines ›

When Hell Freezes Over - Winter 2021

Condominium Statutes by State

Meet the FC&S Editorial Advisory Board

FC&S Tutorial

ISO HOMEOWNERS FORMS LIST

ISO PERSONAL AUTO FORMS LIST

Coronavirus Pandemic Resources

State Insurance Departments COVID-19 Update – Interactive Map

Pandemic Checklist

How to Navigate the New FC&S Expert Coverage Interpretation

Insurance Dictionary

Insurance Bills Related to COVID-19 and Business Interruption Coverage

Commercial Lines ›

When Hell Freezes Over - Winter 2021

ISO COMMERCIAL PROPERTY FORMS LIST

ISO CGL MULTISTATE FORMS LIST

ISO COMMERCIAL AUTO FORMS LIST

Insurance Bills Related to COVID-19 and Business Interruption Coverage

State Insurance Departments COVID-19 Update – Interactive Map

Coronavirus Pandemic Resources

What is Physical Damage, and Does COVID-19 Cause Any?

FORM: Business Interruption Limited Coverage for Certain Civil Authority Orders Relating to Coronavirus

FORM - Business Interruption: Limited Coverage for Certain Civil Authority Orders Relating to Coronavirus (Including Orders Restricting Some Modes of Public Transportation)

Business Income, COVID-19, and New Jersey State Intervention

Important Information for New York Businessowners and Commercial Property Insurers

Mitigation of Risk - From COVID-19 to Floods and Wildfires and More

ISO Provides Business Interruption Endorsement in Response to Coronavirus

When COVID-19 Infects the Financial Markets

Pandemic Checklist

COVID-19/Coronavirus: Implications for Insurers

Introduction to ISO Micro-Businessowners Program

New Micro-Businessowners Program

Micro-Businessowners Program Service Classifications

Liquor Liability Exclusion

Core Article Library ›

When Hell Freezes Over - Winter 2021

Marijuana Legalization by State 2020

When COVID-19 Infects the Financial Markets

Pandemic Checklist

COVID-19/Coronavirus: Implications for Insurers

Insurance and Viruses – 2020 Update

How to Navigate the New FC&S Expert Coverage Interpretation

Insurance Dictionary

Another One Bites The Dust: Trucking Companies In Demise

ISO New and Revised Multistate Optional General Liability Endorsements Effective 12/1/19

Sudden and Accidental - Is it Really a Thing?

They Don't Really Cut out Your Heart: The Truth about Underwriting

ISO New and Revised Multistate Optional Commercial Liability Umbrella and Excess Endorsements

Industry Strides in Usage-Based Insurance (UBI)

Work From Home Cybersecurity Exposures

Distinguishing Between Agents, Producers and Brokers

Contractual Liability Insurance

Expected or Intended

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

Captive Insurance Companies

Hard Market Conditions Expected in 2021

Duty to Defend

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

Fraud ›

Agent Commits Premium Finance Fraud

Agent Caught Fabricating Documents

Accident Came Before Insurance

Man Pretends Brother is Alive for Years to Have a Chance at $11 million

Ex-Sheriff Deputy Gave Dept. Issued Firearm to Ex-Inmate, Ex-Boyfriend

Umbrella & Excess Liability ›

Personal Umbrella Policy

Auto Coverage in the Personal Umbrella

Hybrid Policy and True Umbrella Policy Interpreted to Cover the Same Risk

Farm Umbrella Liability Policy

Directors & Officers Liability ›

Introduction to FC&S D&O Archive

Prior and Pending Litigation

Arbitration

Introduction: Understanding D&O Risk Management