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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.
Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…
Our insured owns an apartment complex. We have replacement cost coverage on the commercial property policy with the special causes of loss form attached. Recently…
Completed Operations Coverage Under CGL Form? Q Our agency insures many bus companies, all of which are insured under ISO commercial general liability…
Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…
Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…
Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…
Our insured owns an apartment complex. One building suffered an electrical fire at approximately 9:00 A.M. The fire caused enough smoke and electrical…
Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…
Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…
Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…