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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.
Ask The Experts ›As an FC&S Online subscriber, you can email your most challenging questions to our highly-skilled editors. It’s like having a personal staff of J.D.s and CPCUs on hand at all times.
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.
Garagekeepers Legal LiabilityInsurance and Rental Coverage Q We insure a garage under a standard ISO garage form. Collision coverage is provided for…
Legal Liability Coverage for a Lessee? We have an insured who has signed a lease that makes him responsible only for the roof. I interpret the damage…
Partnerships and Individuals—Who Is An Insured? The commercial general liability (CGL) coverage form is supposed to be rather comprehensive in…
Personal Property of Others under a Businessowners Policy Q Our insured is covered under a Businessowners Standard Property Coverage form BP 00 01…
Questions the amount payable on a blanket property policy when not insured to value.
Equipment Dealers Coverage Form and the Other Insurance Clause The other insurance clause on the commercial inland marine conditions form states the…
"Mechanical Breakdown" under Farm PolicyQOur farmowners insured was driving his tractor when he hit a rather large branch lying on the…
Boiler & Machinery Coverage for Rolling Blackouts? Q Many of my clients have suffered business income losses because of the rolling electrical…
Scrap Wire Covered as Personal Property Our insured has the BP 00 02 12 99 (Businessowners Special Property Coverage Form) with endorsement BP 07 06…
Warehouseman's Legal Liability Coverage and Notice Requirements Q We insure a company that rents storage units to individuals who store their goods…