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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.
Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part…
Water backup and sump pumps.
Care, Custody, or Control Exclusion vs. Business Pursuits Exclusion Q Our insured, vice-president of sales for a large company, has an HO 00 03. We…
Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…
Discusses what is covered under the artificially generated electrical current peril.
I am handling an account in which the property coverage is being written on a blanket basis on commercial property form CP 00 10. This insured…
Discusses blanket coverage for two buildings, one of which was condemned and listed with zero value.
Auto Physical Damage Coverage on Primary Basis Is there an endorsement to the standard business auto policy (BAP) that will make the employer's BAP…
Business Auto Coverage for Employee's Auto? Our insured owns a van that was parked in a garage on our insured's business premises. An employee of our…
Our insured, an auto dealer, purchased a used vehicle and then sold it. The buyer drove the car for several years, and when he attempted to trade…