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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.
Equipment Dealers Coverage Form and the Other Insurance Clause The other insurance clause on the commercial inland marine conditions form states the…
"Mechanical Breakdown" under Farm PolicyQOur farmowners insured was driving his tractor when he hit a rather large branch lying on the…
Boiler & Machinery Coverage for Rolling Blackouts? Q Many of my clients have suffered business income losses because of the rolling electrical…
Scrap Wire Covered as Personal Property Our insured has the BP 00 02 12 99 (Businessowners Special Property Coverage Form) with endorsement BP 07 06…
Warehouseman's Legal Liability Coverage and Notice Requirements Q We insure a company that rents storage units to individuals who store their goods…
Property Damage Includes Theft of Cash? Our commercial liability policy defines property damage as physical injury to tangible property, including all…
Vendor Coverage for Distributor? Our insured is a small motel. It distributes shampoo and other toiletries to its guests as complimentary gifts. Does…
Valuation v. Insurance under Transit Coverage Form Our insured owns a business and often has to ship packages. He has a transit coverage form that has…
Errors and Omissions Claim Under a Professional Liability Policy Q Our insured runs a travel agency. He booked two separate trips, back-to-back, for…
"Who is an Insured" Clause under the CGL Form The commercial general liability (CGL) coverage form is supposed to be comprehensive in nature in that…