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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.
Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…
Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…
Discusses whether a dog can be considered as property of others under the BOP form BP 00 02 12 99.
Explains coverage when damage is to property insured under a separate policy; does damage to that property still trigger business income coverage?
Replacement Cost — Reconditioned Property? Q Our insured has a businessowners policy, ISO special form BP 00 02 06 89. In August lightning destroyed…
Towing Means Use under Farm Policy? Q We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…
Discusses business income coverage for triple net leases.
Replacement CostProvision in the 1996 BOP Q I'm adjusting a claim that is covered by an ISO businessowners policy form BP 00 02 01 96. The Loss Payment…
Garagekeepers Faulty Work Exclusion Q Our insured is a car wash operation. While washing a car, the insured's employees used a solution to clean the…
Physical Damage Deductible— Commercial Auto Policy Q One of the auto dealers I represent carries specified perils coverage for auto physical…