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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.
Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…
Food Spoliation Is a Consequential Loss Our insured butcher suffered a spoilage loss due to a recent windstorm that caused the store to loose full power…
Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…
Collision Coverage for Overturn of Farm Tractor? Our insured's tractor is covered under mobile agricultural machinery and equipment form FP 00 30 09…
Special Limits and Fine Arts<br>Regarding the HO 3, please confirm there are no Special Limits of Liability under Contents for Fine Arts, artwork, etc…
Awning on Camper Damaged by Windstorm Our insured has a camper/trailer covered under a business auto policy. This camper/trailer has an awning attached…
Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…
Deductible not Applicable to Transportation Expenses Under the standard business auto policy, transportation expenses of up to $20 per day is allowed…
Voluntary Payment by Insured Leads to Denial of Coverage We insure a company under a standard Businessowners Liability policy. Our insured was hired…
Barn Not Personal Property under Building and Personal Property Coverage Form Under the CP 00 10 04 02, coverage A 1. covered property, a (4), is an…