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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.
Is damage from a garbage truck under CGL or BAP?
Removal of Deceased Tenant November 14, 2013 We have a commercial client who had a tenant die in an apartment. It was several days before the body was…
Golf Cart used on Public Road November 14, 2013 We have an HO-3 policy. A golf cart was being driven by our insured's daughter and her friend. The daughter…
Coverage for when a bike falls off a vehicle.
Explains how additional living expenses are calculated.
Options for Settling Fire Loss November 11, 2013 I am handling a fire loss at a restaurant, which appears to be underinsured. The policy form is a CP…
Insured Contract and Primary Coverage October 28, 2013 Our insured is a subcontractor who leased his backhoe, a listed vehicle on the BAP policy with…
Damage to Chiller Not a Completed Operations Claim October 9, 2013 This question is in regards to the j. exclusions in the CG 00 01 12 07 for…
Property Damage Coverage under Real Estate Operations Endorsement October 21, 2013 We insure a real estate broker on a Commercial General Liability…
Contractual Requirement for CGL Coverage An insurer recently denied coverage for a claim where property damage was caused by a subcontractor on a job…