Problems viewing this email? Click Here May 19, 2016      Q&A of the Week Additional Insured Endorsements An Ohio subscriber recently asked the following question: Our client, a public entity, issued a permit to a business for the erection and maintenance of a sign which overhangs the public right-of-way. Additional insured status is required on the permittee's CGL form. Instead of issuing a CG 20 13 which is designed for this situation, the insurer issued a CG 20 12. Can this be considered an operation performed by the named insured or on its behalf, or is coverage for this situation only provided by the CG 20 13? ANSWER: Endorsement CG 20 12 amends the CGL form by adding any state or governmental agency shown in the schedule as an additional insured; CG 20 13 does the same. However, there is a difference. The big difference between CG 20 13 and CG 20 12 is that 20 12 provides additional insured status for operations on and off the named insured's premises, while 20 13 is for on premises operations. Also, 20 12 does not provide completed operations coverage while 20 13 is silent on this subject. So, if the intent of the named insured is to provide additional insured coverage just for the erection of the sign on its premises and no off premises coverage, CA 20 13 is the endorsement to choose. Read More    What's New This Week in FC&S Duty to Defend—State Case Law We noted in another discussion (see Duty to Defend Requirement) that the duty to defend is held to be broader than the duty to indemnify. Read More    Litigation Watch Underinsured Motorist Coverage and WC The plaintiff seeks underinsured motorist coverage from her employer, the State of Delaware and her personal insurance carrier, GEICO for injuries sustained in the course of her employment in a motor vehicle accident. This case is Simpson v. State of Delaware, 2016 WL 425010. Simpson was injured in an auto collision caused by Ricks. Ricks was insured by USAA with a policy limit of $15,000 per person. Simpson was driving a state-owned vehicle as authorized by virtue of her employment. All state-owned vehicle had uninsured/underinsured motorist (UM/UIM) coverage with limits of $25,000 per accident. Simpson also had a personal auto policy with GEICO and she had purchased UIM coverage. Read More    Fraud of the Week Crop Fraud – Wisconsin AMOUNT: $340,887 A Wisconsin man has been indicted for five counts each of wire fraud and making false statements regarding crop insurance benefits. 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   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

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