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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'…
Property Damage Issue under CGL Form Our insured is a rental equipment company. In this particular claim, it rented out an electricity generator that…
Loading and Unloading Issue Our insured received a delivery and sent two employees out to unload the vehicle; this vehicle is not owned by or rented…
Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…
Pollutant Definition under CGL Form Q The pollution exclusion on the commercial general liability (CGL) coverage form can be very extensive, partly…
Garagekeepers Maximum Deductible? Q We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per…
Garagekeepers Coverage for a Stolen Auto Q Our insured is covered by a garagekeepers policy. He was conducting a state inspection on a car, performing…
Boiler Leak—No Coverage If Caused by Deterioration Q An insured suffered a loss as a result of corroded and worn tubes in the insured boiler.…
Physical Damage Deductible— Commercial Auto Policy Q One of the auto dealers I represent carries specified perils coverage for auto physical…
Garage Liability—Hazard I Q A carrier I represent is writing a garage liability policy Hazard I form on an auto repair shop. This repair shop…