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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.
Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…
Downspouts, drains, and surface water.
Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…
Additional Insureds as Claimants Q When we insure clubs for liability, we always add the Additional Insured—Club Members endorsement (CG 20…
Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…
Discusses costs for additional employee pay when business was not suspended.
Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…
Racing Exclusion Applies to Chase Vehicle? We have a question concerning the exclusion in the personal auto policy for autos used in connection with…
Nonowned Auto Coverage and Family Members We have a situation where the husband has his own auto policy and the wife has her own policy. The husband…
Prior Notice Necessary When Adding Exclusions to Renewal Policy? Is the insurance company mandated to provide prior notice when adding an additional…