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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.
Golf Carts, Auto Policy, CGL Form In our town, a recent ordinance has been posted that has made golf carts street legal, within certain guidelines and…
Preservation of Property Additional Coverage and Policy Limits In the BP 00 03 06 07, under Section 1, Property, A. Coverage, 5. Additional Coverages,…
Deductible Application on the BOP Our insured has an ISO special form BOP (BP 00 02 06 89) on a 20-building apartment complex. The policy has a $1,000…
BOP Deductible Application under One Occurrence Our insured has a BOP policy, which covers some scheduled tools and equipment and some blanket tools…
Is hitting a dead animal comp or collision?
Questions permissive use and no-fault under the personal auto policy.
Embezzlement and the Homeowners Policy Our insured is one of those people who lost money in the Madoff scheme. Is there any coverage for the insured's…
Duties in the Event of Loss Expense in Question A contractor sealed off an area where underhanging roof tiles were blown away by a windstorm and birds…
Business Personal Property Loss and Combination of Policy Limits We have a commercial client who has business personal property in two locations, each…
Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…