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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.
Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. The…
Discusses sexual abuse and duty to defend.
When soot damages the neighbor's building, and is a malfunctioning boiler a hostile fire?
Recovery for Loss of Valuable Papers May Be Applied to Computerized System We are working on a total loss claim for a hot tub wholesaler that has over…
Is Betterment Deduction Allowed in Property Damage Claim? Our insured has a business auto policy and a claim arose recently wherein an employee backed…
Personal Auto Insured on BAP—Who Is an Insured? Our policyholder is a corporation. There is a fleet of several vehicles insured on it.…
Property Manager Liable for Fire Damage? Our agency insures several property managers of condominium associations. The general liability policies for…
Leased Auto Covered as Owned Auto? Our insured has symbol 2, owned autos only, to describe the covered autos on his business auto policy. The question…
Railroad Protective Policy and Additional Insured Status If a contractor names a railroad as an additional insured under its CGL form, is there a need…
Business Auto Coverage for EmployeesMy client is an employer who owns no autos. However, he does have hired and nonowned auto coverages under the…