The article of the month pertains to drones. Drones are the latest new technology to catch the headlines. Drones are unmanned aircraft used in search and rescue, firefighting, surveillance, traffic monitoring, and other functions. Like any new technology, drones bring with them a host of insurance issues. The article of the month offers an analysis of the issues that may confront the makers and user of drones, along with possible insurance coverage for these issues. See the designated article in the FC&S Bulletins.

The Dec Page also offers an article on the duty to defend written by Mr. Barry Zalma, Esq., CFE. Mr. Zalma is an insurance coverage attorney, consultant, and expert witness. He is also a consulting editor of FC&S.

A court case from the Appeals Court of Massachusetts rounds out the December Dec Page. The court dealt with a defective workmanship claim under an all risk policy and with an ensuing loss exception that might override the defective workmanship exclusion.

Questions and Answers

Are campsites considered vacant ground when a loss occurs? See Is a Campsite Vacant Land. When a state requires that siding be matched when only a partial loss occurs, do replacement cost or ordinance or law provisions dictate settlement? See Replacement Cost versus Ordinance or Law Provision. When a nonrelative and nontenant resident is living in a separate structure, how is coverage handled? See Person Living in Unit Over Barn.

When an insured winterizes a home but a loss occurs and water leaks over time, is there coverage? See Winterizing Gone Awry.

Optional Crime and Fidelity Endorsements

There are many optional endorsements that can be added to the Commercial Crime Policy. This article discusses recent updates and the addition of a new endorsement, Fraudulent Impersonation. See Optional Crime and Fidelity Endorsements.

Crime Causes of Loss

This article elaborates on the causes of loss listed in the Commercial Crime Policy. See Crime Causes of Loss Form.

Businessowners Liability Coverage

BOP insureds have basically the same coverage for premises and operations, products and completed operations, advertising and personal injury and medical payments as a CGL insured. However there are some differences, as described here, and including changes made in the 2013 edition of the Businessowners Coverage Form. See Businessowners Liability Coverage.

Violent Acts Expense Coverage

This article discusses coverages for incidents of violence that occur at churches or schools. Coverage is provided for psychological and other unusual needs. See Violent Acts Expense Coverage.