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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.
UM/UIM and the Other Insurance Clause Insured #1 was driving her boyfriend’s car. The boyfriend’s car insurance is with Hanover and…
Hired Auto Loss of Use Expenses September 12, 2012 I am wondering about the ISO hired auto loss of use expenses. The coverage form provides $20 per…
Discusses the meaning of the term suspension in older edition of the business income coverage form before ISO clarified the term.
Discusses frozen pipes, and the vacancy provision in a building held for rent.
Typical equipment breakdown policies describe covered equipment as electrical or mechanical equipment that utilizes or generates energy. Examples of…
Discusses a few questions on nonowned auto coverage.
Daughter takes car without permission and is in accident; is there coverage?
Limited Liability Company as an Insured September 12, 2012 This applies to general liability, auto, and umbrella liability. In the Section II - Who…
Theft of Copper Not Vandalism An unknown person stole the copper and major components from our policyholder's A/C unit. He filed a claim for vandalism;…
Tenants' Improvements Not Covered When Not Acquired or Made at Tenant's Expense Most commercial property forms include leasehold improvements under…