A Message From the Editor

Are you up to date on cannabis? Legalization in many states has made it necessary for insurers to address this issue. The new FP 10 28 Cannabis Property Exclusion With Hemp Exception excludes coverage for cannabis but also carves out an exception for certain hemp products. We analyze this latest form for you here. Litigation Watch dives into a case involving legal expenses. We learned that 'loss' and 'damages' are not interchangeable in court. Read the details here. As always have a great weekend, and send any thoughts, questions or ideas my way at cbarlow@alm.com.

– Christine Barlow, CPCU Executive Editor

Q&A

When a tenant inadvertently turns off the heat and turns on the air conditioning, and the pipes freeze and burst, is there coverage?

| | Contract Analysis

FP 10 28 06 25 Cannabis Property Exclusion With Hemp Exception Analysis

By Christine G. Barlow, CPCU

An analysis of the FP 10 28 06 25 Cannabis Property Exclusion With Hemp Exception. Read More

| | | Lit Watch

Legal Expenses Not 'Damages' Within Meaning of Excess Policy

By Kelly Helton, Esq.

Are a party's legal expenses, such as attorney's fees, considered "damages" subject to coverage under an excess liability... Read More

| | | Fraud of the Week

Fraud of the Week: Damage What Damage?

By FC&S Editors

A woman claims her vehicle was in good repair when she purchased the insurance policy. Read More

| | Questions & Answers

Insurance Coverage Q &A: Tenant Turns Heat to Air Conditioning and Pipes Freeze

By FC&S Editors

When a tenant inadvertently turns off the heat and turns on the air conditioning, and the pipes freeze and burst, is... Read More

| | | Circular Tracker

Circular Tracker 4-11-2025

By FC&S Editors

A summary of the ISO Circular for April 11, 2025. Circulars provide a wide variety of information from form changes... Read More