Christine G. Barlow

Executive Editor, FC&S Expert Coverage Interpretation at The National Underwriter Company

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Articles

Consumer education and the insurance agent

3 days ago | propertycasualty360.com | Christine G. Barlow

Special limits should be pointed out to insureds so they understand how the policy works with certain property and whether they would like to purchase more coverage for certain items. (Credit: Vadym/Adobe Stock) We’ve all seen the ads for insurance saying things like, “buy only what you need,” or offers to let insureds, “name your price."But for policyholders who never read their insurance paperwork and don’t work in the industry: How do they know what they need?
One year later: Baltimore's Francis Scott Key Bridge catastrophe

1 month ago | propertycasualty360.com | Christine G. Barlow

Total insured losses from the March 2024 Francis Scott Key Bridge collapse are expected to be between $3 billion and $4 billion, making it the largest marine insurance loss ever recorded. (Image: Public record/Free use) On March 26, 2024, a container ship known as the Dali, which was registered in Singapore, lost propulsion and struck one of the support pillars of the Francis Scott Key Bridge in Baltimore.
March: In like a lion, out like a lamb

1 month ago | propertycasualty360.com | Christine G. Barlow

Drinking is a large part of many St. Patrick’s Day celebrations, and that’s where insurance comes in. (Chicago River, St. Patrick’s Day 2024, R Boed/Wikimedia Commons) There are plenty of things associated other than green beer associated with the month of March. Changing weather is one of the first things that comes to mind, with the potential for early thunderstorms and the start of tornado season in some parts of the country. Seventy percent of tornadoes occur between March and June.
Diamonds are a girl’s best friend, especially when they’re insured!

2 months ago | propertycasualty360.com | Christine G. Barlow

If you lose a stone out of a piece of jewelry, there’s no coverage. (Free use image) As Valentine’s Day draws near, people's thoughts tend to drift toward romantic things: fancy dinners out, chocolate, flowers and jewelry. The dinners, chocolate and flowers are straightforward as far as insurance goes. Dinners and chocolates are consumable, and flowers, while lovely, only last a week or two. Your access to unlimited PropertyCasualty360 content isn’t changing.
6 Insurance, cleanup concerns around deadly California wildfires

Jan 21, 2025 | propertycasualty360.com | Christine G. Barlow

Photo is of the 2018 Thomas Fire in Ventura County, Calif. (Credit: Rocco Constantino/Shutterstock/ALM archives) California wildfires have so far burned over 40,000 acres in a total of five different fires, following years of significant drought. The winds are still an issue, meaning that the fires will continue to burn. Your access to unlimited PropertyCasualty360 content isn’t changing.
Is it time to drop 'sudden and accidental?'

Jan 14, 2025 | propertycasualty360.com | Christine G. Barlow

The terms sudden and accidental appear a scant sixteen times in sixty-four pages of policy language across multiple policies, and all instances are centered around specific perils in certain situations. (Credit: Dragonstock/Adobe Stock) If you have been in insurance for any length of time, you've heard the phrase "sudden and accidental", meaning that the cause of loss must be just that; sudden and accidental.
Around the P&C insurance industry: January 8, 2025

Jan 8, 2025 | propertycasualty360.com | Corey Dahl |Christine G. Barlow |Peter Crowe

FM has acquired Velocity Specialty Insurance Company, a leading excess & surplus insurance provider. The deal is expected to close in the first half of 2025, subject to regulatory approvals. Financial details of the transaction were not disclosed. With the increasing frequency and severity of secondary perils and other emerging risks, businesses are seeking E&S coverage for risks that traditional insurance is less likely to cover.
Hurricane and Flood Articles

Sep 26, 2024 | nuco.com | Christine G. Barlow

Hurricane and Flood Articles Hurricane season begins June 1 and runs until November 30. While most hurricanes don’t develop until later in the season, it’s always a good idea to be prepared. Therefore, we present a list of many of the FC&S flood and hurricane articles and Litigation Watches that you might find helpful as the season develops.
The Hows and Whys of Scheduling Personal Property

Sep 22, 2024 | nuco.com | Christine G. Barlow

Summary: Homeowners forms commonly limit amounts paid for loss to certain classes of property. For example, Insurance Services Office form HO 00 03 03 22 special limits are: money ($300); securities ($2,000); watercraft ($2,00); trailers ($2,000); theft of jewelry and furs ($2,000); theft of guns ($3,000); theft of silverware ($3,000); business property—on premises ($3,000), off premises ($1500); and some types of electronic apparatus ($2000).
Farm Property Endorsements Discussed

Sep 9, 2024 | nuco.com | Christine G. Barlow

Personal and Commercial Exposures Summary: Following is a brief description of the property endorsements that may be used with the Insurance Services Office (ISO) farm property coverage forms. Descriptions refer to the current editions (unless a particular form has not changed), with any significant changes from the previous editions noted.