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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
PAP Covers Large Trucks? October 8, 2012 Our insured has his auto covered by a Personal Auto Policy. If he rents a U-Haul truck for the weekend to move…
Our insured is a hotel that suffered damage to some of its rooms as a result of water damage. The insured is a franchisee and has an agreement with…
Insuring a Duplex October 4, 2012 We are experiencing situations involving duplex homes where coverage is being requested under a HO 2 or HO 3 form.…
Bodily Injury Coverage in Relation to the Operations of the Insured September 24, 2012 Our insured carries a commercial general liability policy with…
A Changing Concept Summary: The term "actual cash value" is used in most property forms as well as inland marine forms and auto physical…
Discusses expenses used to supply water and utilize a generator at a golf course as covered extra expenses.
Twin Condominiums September 10, 2012 We are more and more often being asked to insure twindominiums which, loosely defined, are a two-family home where…
Towed Vehicle Causes Damage—Which Policy Provides Coverage? Our insured is a towing company. It has a standard business auto policy with a garagekeepers…
Covered Auto Designation Symbol 9 Analysis Symbol 9 on the business auto policy refers to nonowned autos, that is, those autos that the named insured…
Theft or Conversion Exclusion under GKLL Coverage September 12, 2012 Our Virginia insured has a garage policy form CA 00 05 03 06. A customer's vehicle…