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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.
Assumption of Obligation Explained November 8, 2010 Duty C. in Section V. Duties After Loss of the ISO Personal Umbrella Policy reads as follows: "…
Son Living in Other Structure a Member of the Household? November 7, 2010 I have a question on an HO 00 08 04 91. The insured's forty-two-year-old son…
November 7, 2010The insured signed a merchant service agreement with ABC, Inc. for check verification and check conversion services.A processing…
Extended Period Provision and Coinsurance November 29, 2010 Is the extended period calculation subject to the coinsurance provision of a commercial…
A question of determining value of a claim when it takes a long time to settle and values change.
Pollution Liability and Product Damage November 15, 2010 The insured sold a container with bleach to customer. While the customer was transporting the…
Is a tripped breaker a covered cause of loss for business income?
Cohabitating Fiancé November 1, 2010 We denied a burglary claim due to the stolen property belonging to a roomer/tenant and the covered property…
Unloading of Vehicle is not Direct Physical Loss The insured has a Business Auto Policy with a tractor and a trailer listed on it. The tractor has symbol…
Loss of Value Is Not Direct Physical Damage October 18, 2010 Our insured is an antique dealer with a special businessowners form. He purchased two…