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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.
A contractor who plows snow is covered by a Businessowners BP 00 03 01 06 policy. These operations left chain marks on some of the driveways that were…
Examination under Oath (EUO) and the Duty to CooperateThe carrier has demanded that our insured produce employees for an examination under oath.…
Mechanical or Electrical Breakdown Exclusion and Damage Caused by Voltage Regulator An insured was driving his vehicle when he smelled smoke. He pulled…
Mobile Equipment Transportation Causes Damage Our insured was transporting his auger in his pickup truck. The auger gear box came loose (cotter pin…
Endorsement providing coverage for backup of sewer and drains does not exclude coverage if sewer is located off insured premises.
Property Damage Coverage and Rental Vehicles The following question is on your Web site: Our insured was involved in an auto accident where the other…
Voluntary Parting Exclusion Blocks Coverage for Loss of Money We insure a dentist. The potential applicable forms are the CP 00 10 04 02, CP 10 30 04…
Our Option Clause and Loss Settlement My question involves the Section I - Conditions Section of the HO 00 05 10 00 Policy Form, specifically in regard…
Vacancy Definition under Scrutiny Our question is on form BP 00 02 01 87 under the vacancy provision, which contains an exclusion for buildings that…
Mobile Equipment or Auto as Cause of Damage Our insured runs a tree service that cuts trees and removes them. He has a boom truck that he uses in his…