FC&S™  is written by experts who provide an unbiased, clear examination of insurance topics such as coverages, endorsements, and standard policy language. The service provides easy-to-understand, authoritative information you can use everyday.

Comprehensive discussions bolstered by court decisions and bureau memorandums for all standard Property, Inland Marine, General Liability, and Personal Lines topics offer practical information you need to complete your research accurately and efficiently.

The FC&S™  Q&As provide answers to subscribers' questions, from the most common to the most complex, and are based on real-life claims disputes.

The DEC page and FREE monthly e-alerts keep you up-to-date on breaking litigation, bureau developments, and new perspectives on insurance issues, as well as provide you with the FC&S™ staff's unique perspective on the industry.

Whether you need to interpret an insurance policy, support your position in a claims dispute, or find out how a recent court decision affects your client's coverage, FC&S is the trusted source for accurate, reliable, up-to-the-minute information.

Topics you will find in FC&S include:

Personal Lines

Standard forms of insurance covering personal exposures are the main topics. Its divisions are Dwelling/Homeowners, Personal Auto, Miscellaneous Personal, and Farms.

  • Homeowners, Personal Auto, and Personal Umbrella are treated in this section. Plus, personal article floaters and other inland marine forms.
  • What does it take to qualify for coverage as a "resident relative" and therefore be an insured under another's policy?
  • When does a "household member" lose coverage?
  • What are the issues surrounding home-based businesses?
  • The Q&A section—actual claims situations resulting from interchange between the editors and users.
  • Personal Watercraft and Farm Discussions.
  • Personal exposure and coverage checklists.

Both ISO and AAIS standard forms are analyzed, as well as company-filed policies.

Commercial Lines

Property-Related Discussions

Covers the standard insurance written for business risks. It is divided into the following sections:

  • Commercial Property
  • Miscellaneous Property
  • Business Income
  • Inland Marine
  • Boiler & Machinery
  • Farms
  • Catastrophe
  • Businessowners (BOP)
  • Crime and Employee Dishonesty

Among property insurance issues discussed: subrogation, consequential loss, earthquake, water damage, collapse, reporting forms, business income and extra expense, concurrent causation, and "friendly fire." This section also defines hundreds of property insurance terms such as "actual cash value," "replacement cost," "debris removal," and "object."

Business Auto Discussions

Covers the typical auto coverages written for business risks. It is divided into the following sections:

  • Commercial Auto Policy
  • Motor Carriers Coverage
  • Truckers Coverage
  • Uninsured Motorists
  • No-Fault Coverages
  • Financial Responsibility Laws
  • Garage
  • Company-specific Auto Programs

A number of exposure and coverage checklists, as well as charts that highlight state-specific auto regulations, provide easy access to the information. Representative discussions on topics such as "Insuring Nonowned Autos" and "Auto Medical Payments Insurance, as well as the questions and answers section, zero in on specific information.

Liability Discussions

In-depth analyses of commercial liability coverages.

  • Auto
  • Financial Institutions
  • Professional Liability
  • Environmental Liability
  • Executive Risk and Directors and Officers Liability
  • Commercial General Liability
  • Commercial Umbrella
  • Workers Compensation and Employers Liability

Comprehensive analysis of contractual liability exposures, pollution coverage, legal liability, punitive damages, liquor liability, owners-contractors protective liability, and other P&C topics. Exposure and coverage checklists span topics from an insurance agent errors and omissions exposure survey to a commercial umbrella and excess liability coverage checklist.

Company-Specific Discussions

The Company-Specific section contains up-to-date information on:

  • independently filed specialty line products
  • commercial package policies
  • residence package variations
  • special automobile coverage plans
  • large lines
  • affiliated and mass marketing programs

 Also, typical specialty contracts for:

  • umbrella liability
  • data processing
  • E&O
  • directors & officers liability
  • differences in conditions

Account and Risk Management

This section includes discussions on items ranging from agent errors and omissions tips to certificates of insurance and the Good Samaritan statutes. Other topics include:

  • Reinsurance
  • Bad faith claims issues and statutes
  • Duty to defend
  • Arbitration forums
  • Captive insurance companies and risk retention groups
  • Reservation of rights letters

Special features are also found in this section, such as FC&S™ editors' columns in other National Underwriter publications, litigation watch, and the Q&A of the week.

Directors and Officers

This specialized resource provides in-depth analysis of directors and officers liability exposures, available insurance coverage, and risk management treatments. FC&S™ D&O contains discussions of exposures ranging from business management practices to Sarbanes-Oxley, as well as D&O liability policy wording and a complete section on D&O risk management. You will also find policy comparison charts, which analyze more than 120 D&O specimen insurance company policy forms.


This expert reference presents a summary of the coverages afforded by an umbrella policy, describes how an umbrella policy functions, and offers a checklist for underwriting an umbrella policy. Umbrella policy terms are made clear through concise discussion and focused analysis. Coverage analysis of the ISO and AAIS umbrella forms is provided in addition to an overview of the underlying coverages required by umbrella insurers. Electronic comparison worksheets allow you to compare the coverage features of various umbrella policies quickly and easily.

Forms and Endorsements

Provides fast answers to basic questions and quick access to sample policy forms and endorsements. Sample ISO, AAIS, and SAA forms make for easy access to the precise policy language. Also contains industry directories.

The Q&A Pages

Actual claims situations and coverages questions submitted from the field and answered by the expert editors on FC&S™ staff.

As an added benefit for subscribers of FC&S Online™, all users have access to public or private Q&A sessions with the expert analysts who edit and compile FC&S™.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice is required, the services of a competent professional person should be sought.

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