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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.
Crime Form and Third Party Coverage Does the employee fidelity bond (form A) provide coverage if the insured employee steals from a third party? Our…
Waiting Period Not the Same as a Deductible Our insured had a business income loss that resulted in a twenty-eight hour closure. The property deductibles…
Garage Operations Include Restaurant and Office Buildings? Q We insure a new car dealer on a garage policy. This insured owns several office buildings…
Period of Indemnity ExtensionEndorsement and Loss of Rents Q A multi-unit apartment building owned by one of our insureds was damaged by fire. Six…
Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…
Boiler & Machinery Testing Loss Q Please provide an interpretation of the words "testing" or "tested" as it relates to the boiler and machinery…
Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…
Mechanical Breakdown Exclusionand Inland Marine Form Q A company we insure was hired to remove the top of a water tower with a crane. The top was…
Employee Dishonesty Coverageand Third Parties Q We insure a moving and storage company that wants to bond its employees for theft of merchandise from…
Contractor's Profit Where the Insured Performs Repair Q I insure a company that owns a dry dock that was damaged when a boat tipped onto it. The dry…