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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.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
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.
Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…
Water Loss From Swimming Pool Covered by BOP? Q We insure a local country club on a businessowners policy (BOP) with special causes of loss. Recently,…
Discusses business income expense of valuable papers and records.
Boiler and Machinery Form—Accident Defined Q Our insured is a food processor who uses an extruder to process meat for sale. The metal tub that…
Businessowners — Does Faulty Design Exclusion Apply? Q We insure a business under a businessowners policy form BP 00 02 12 99. The tenants who…
Power Surge and the BOP Form Q I write an account on an ISO BOP coverage form, BP 00 02 12 99, with attached endorsement BP 04 56 01 97, utility services…
Employee Dishonesty Coverageand Third Parties Q We insure a moving and storage company that wants to bond its employees for theft of merchandise from…
Water Damage Exclusion—Proximate Causation Q Our insured is covered under the businessowners special form, BP 00 02 12 99. One evening, several…
Discusses whether a loss of tax credits is a qualifying business income loss.
My insured's leased employee was given expense money and disappeared with it. The insurance company that writes the employee dishonesty coverage…