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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…
Negligent Work Exclusion and the BOP Q Our client's building is insured on a BOP special form. The building has two levels. Recently, the insured…
"Occurrence" Definition in Crime Coverage Q Our insured owns a pizza restaurant. The same individual broke into the premises and stole cash on many…
Water Loss to Boiler I have a businessowners policy covering a building I own. A pipe broke in the building, and the water from it destroyed an unused…
Discusses whether reproduction costs should be covered as extra expense.
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,…
Garage Operations Include Restaurant and Office Buildings? Q We insure a new car dealer on a garage policy. This insured owns several office buildings…
Replacement Cost Defined Our insured has a businessowners policy, ISO special form BP 00 02 12 99. In August, lightning destroyed the computerized phone…
Discusses whether employee tips are counted as payroll or something else.
When policy limit is to be paid out for business income loss, when should that payment be made?