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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.
Typical equipment breakdown policies describe covered equipment as electrical or mechanical equipment that utilizes or generates energy. Examples of…
Vehicle Requiring Diesel Fuel Damaged by Regular Fuel Fill-up Insured loaned the insured vehicle to a friend. The friend was pumping fuel and…
Towed Vehicle Causes Damage—Which Policy Provides Coverage? Our insured is a towing company. It has a standard business auto policy with a garagekeepers…
Discusses the meaning of the term suspension in older edition of the business income coverage form before ISO clarified the term.
UM/UIM and the Other Insurance Clause Insured #1 was driving her boyfriend's car. The boyfriend's car insurance is with Hanover and…
Tenant's Auto Damages Covered Under Apartment Building Owner’s CGL Policy? Insured owns an apartment building. Large icicles have formed on the…
Discusses frozen pipes, and the vacancy provision in a building held for rent.
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…
Limited Liability Company as an Insured September 12, 2012 This applies to general liability, auto, and umbrella liability. In the Section II - Who…
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…