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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.
Contractual Requirement for CGL Coverage An insurer recently denied coverage for a claim where property damage was caused by a subcontractor on a job…
Removal of Fence by Neighbor October 16, 2013 We have an HO2 policy. Our insured erected a privacy fence on his property line, a boundary that is the…
Business Risk Exclusions and Carpet Torn During Installation Please help me with a coverage question. The policy involved is a PT 0617…
Additional Insured Vendor Endorsement Question We have been using the additional insured vendor endorsement for our insured who is getting products…
Bodily Injury Caused by Chlorine Fumes and the CGL Policy October 9, 2013 The insured is a hotel and spa. The claimants were in the exercise…
Explains the coverage extension for property in the insured's care, custody and control.
Real Estate Manager as an Insured Does a real estate property manager need his own liability insurance? The property manager is an insured under the…
Does an appraisal affect coverage or just amount?
Lifting of Shingles Causes Damage September 25, 2013 Citizens Homeowner 3 special form HO-3 01 13 section 1-perils insured against, 2, h. WE DO NOT…
Nonowned and Hired Auto Endorsement Coverage September 16, 2013 Does the nonowned and hired auto endorsement include within its definition bodily injury…