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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.
Direct Physical Loss under BOP June 27, 2011 Our insured accidentally threw away some digital x-ray sensors in the trash. Now, they want to be compensated…
Vacancy and Construction, Renovation The insured purchased a foreclosed home on March 4, 2011 and immediately took out a Non-Owner Occupied…
Handling of Property Causes Property Damage July 5, 2011 We have a BAP with symbols 8 and 9 for liability coverages. Our insured hired a company to…
Med Pay Coverage under BOP June 20, 2011 Is the medical payments coverage under a BOP a per occurrence limit or per person limit? Illinois Subscriber…
June 13, 2011 Our client is a paint distributor and he has several employees that are salespersons that visit clients and prospects to place orders…
Fire Damage and Coverage under CGL Form and BAP Our insured's employee was driving a semi load of bailed corn stalks from the field to another location…
Work of Insured Causes Property Damage We insure Insulation Systems of Augusta . It was in the process of insulating duct work. The technician…
Property Damage Coverage in Doubt The insured is a homeowners association. It contacted the local village to clear some trees and bushes in a common…
Questions the application of CG 21 67 in a water damage and mold claim situation.
Intentional Damage not Covered by PAP Under the physical damage section of the personal auto policy, there does not seem to be a specific exclusion…