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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.
Garage Liability and Products Completed Operations Claim Our insured runs a tire service station and he has a standard garage coverage form A customer…
Businessowners Policy — Coverage for Property of Others Q An agent of ours had a question regarding property of others in the insured's…
How to apply the proper symbols to leased vehicles.
Our agency insures a beauty shop under a Business Owners Policy (BOP) (ISO BP 00 02 12 99) providing coverage for the insured's building and business…
Boiler Leak—No Coverage If Caused by Deterioration Q An insured suffered a loss as a result of corroded and worn tubes in the insured boiler.…
Garagekeepers Coverage—Repossessed Vehicle Q Our insured is an auto repair facility that performed work on an auto and then released the car…
When ice from the sprinkler causes the unit to collapse.
Garagekeepers Maximum Deductible? Q We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per…
Boiler & Machinery Testing Loss Q Please provide an interpretation of the words "testing" or "tested" as it relates to the boiler and machinery…
When property covered by a warranty is damaged, what happens to the warranty after repair?