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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.
Leak over Time June 8, 2018 We are working a claim where tenants occupied the property. The original tenant sublet the property (without…
Discusses emissions from vents and whether or not they are pollutants.
Deductibles when Two Policies Involved May 29, 2018 When prorating damages under a HO policy due to the “other” insurance clause, is the…
A recent office conversation involved a discussion of coverage for a town or board of education after an active shooter tragedy. Specifically,…
When an employer borrows an employees vehicle and there is no collision on the commercial auto policy, is there coverage elsewhere on the policy?
If employer has no cars but employees rent cars for business use, are they covered under hired/nonowned coverage?
When an insured with a $10,000 is struck by an uninsured motorist, does the deductible apply, or does UM cover it?
Discusses how a car is "borrowed".
Is the mileage that thieves put on a car they stole diminished value?
Other Structures Coverage May 7, 2018 Our insured has a CP-10 Commercial Package. They have an unscheduled structure that the agent believed to…