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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.
Endorsement providing coverage for backup of sewer and drains does not exclude coverage if sewer is located off insured premises.
Property Damage Coverage and Rental Vehicles The following question is on your Web site: Our insured was involved in an auto accident where the other…
Voluntary Parting Exclusion Blocks Coverage for Loss of Money We insure a dentist. The potential applicable forms are the CP 00 10 04 02, CP 10 30 04…
Our Option Clause and Loss Settlement My question involves the Section I - Conditions Section of the HO 00 05 10 00 Policy Form, specifically in regard…
Vacancy Definition under Scrutiny Our question is on form BP 00 02 01 87 under the vacancy provision, which contains an exclusion for buildings that…
Mobile Equipment or Auto as Cause of Damage Our insured runs a tree service that cuts trees and removes them. He has a boom truck that he uses in his…
The owner-operator of an "internet cafe" has had a $50,000 loss of computer equipment that is said to have occurred when a tenant in an adjoining…
Mobile Home Unit Could Be Considered Covered Property under CP 00 10 I recently insured a campground and need to know if a mobile home type unit is…
Public or Livery Conveyance Exclusion and Flower Delivery Our insured loaned her vehicle—on one occasion only—to a flower delivery shop…
Discusses whether or not damage to pet's home alone qualifies for ALE.