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April 7, 2016  

 
 Q&A of the Week
BOP Liability Coverage

An Indiana subscriber recently asked the following question:

Would liability arising out of the rental/use of a storage unit by an insured at a location that is not listed as a described premises be covered under the ISO BOP 00 03 form?


ANSWER: The liability coverage under the BOP is for general liability so unless there is a specific exclusion to prevent coverage, the liability for the location is covered. There is an exclusion for property damage to property rented or occupied by the named insured but if the issue is one of bodily injury, that exclusion would not be applicable. Also know that this exclusion does not apply to liability for damage by fire to premises while rented to the named insured. 
Read More
 
 What's New This Week in FC&S
Joint Loss Agreements

The Insurance Services Office (ISO) Equipment Breakdown Protection Coverage Form, EB 00 20 01 13, is designed to dovetail with ISO's Building and Personal Property Coverage Form, CP 00 10 10 12, and its causes of loss forms: basic, CP 10 10 10 12; broad, CP 10 20 10 12; and special, CP 10 30 10 12. Read More
 
 Litigation Watch
Discussion of a Collapse Claim

In this action, the insureds challenge the insurer's failure to provide coverage for the damage to basement walls of their home. This case is Roberge v. Amica Mutual Insurance Company, 2015 WL 9480008.

The insureds asserted that the basement walls of their home have collapsed due to the pattern cracking caused by a chemical compound found in the basement walls. The insurer stated its policy did not insure for a loss involving collapse except when there is an abrupt falling down or caving in of a building with the result that the building cannot be occupied. 
Read More
 
 Fraud of the Week
Pet Insurance Fraud – Ohio
AMOUNT: $60,000.00


An Ohio man is charged with 29 counts of insurance fraud for filing false claims for pet insurance for approximately $60,000. Read More
 
   
 FC&S Ask the Experts
Did you realize that the Q&A section of FC&S is made up of questions submitted by subscribers like you?

Paid subscribers to FC&S Online or print FC&S Bulletins are invited to submit insurance coverage questions to the editors. We'll provide a personalized opinion within five business days. (We'll let you know if it will be longer than that. Sometimes we have to gather research or other supporting materials).

Who knows? Your question may be featured (anonymously) in the online Q&A of the Week or as an FC&S update.

Submit your coverage interpretation question right to the editors of FC&S for quick and reliable information. Ask our expert staff a question by clicking here.
 
 Maximize Your FC&S
 Online Subscription!
FC&S editors regularly conduct web-based demos of the service. Feel free to contact Christine Barlow, cbarlow@alm.com, to set one up! They only take 30 minutes, a small investment of time that will help you learn all that FC&S Online has to offer.
 
 Contact Us
As always, your comments and questions are welcome.

Contact us at:
FC&S Department
Phone: 800-543-0874
Fax: 859-692-2293
Email: eAlerts@nuco.com
The Zalma Insurance Claims Library
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Insurance Claims: A Comprehensive Guide
The only source you'll need to successfully handle insurance claims from start to finish. More Info
Construction Defects Coverage Guide
Your single-source for identifying, insuring, investigating, prosecuting, and defending cases that result from construction defect claims. More Info
Mold Claims Coverage Guide
This guide will allow you to handle mold insurance claims and litigation resulting from mold or fungi related disputes with confidence. More Info
For more information about these titles Click Here
 
FC&S Team
Kelly Maheu, J.D.
Publisher
  Diane W. Richardson, CPCU
Consulting Editor
Christine G. Barlow, CPCU
Managing Editor, FC&S
  Diana B. Reitz, CPCU, AAI
Consulting Editor
David D. Thamann, J.D., CPCU, ARM
Managing Editor, FC&S Bulletins
  Emily Brunner
Online/Print/Production Editor
Susan L. Massmann, CPCU
Managing Editor, Electronic Publications
  Tosha Brinkman
Marketing Manager
Barry Zalma, Esq., CFE
Contributing Editor
  Donna Cozatchy
Creative Director

 
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