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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.
Water Loss to Boiler I have a businessowners policy covering a building I own. A pipe broke in the building, and the water from it destroyed an unused…
Businessowners — Does Faulty Design Exclusion Apply? Q We insure a business under a businessowners policy form BP 00 02 12 99. The tenants who…
Power Surge and the BOP Form Q I write an account on an ISO BOP coverage form, BP 00 02 12 99, with attached endorsement BP 04 56 01 97, utility services…
Replacement Cost — Reconditioned Property? Q Our insured has a businessowners policy, ISO special form BP 00 02 06 89. In August lightning destroyed…
Water Damage Exclusion—Proximate Causation Q Our insured is covered under the businessowners special form, BP 00 02 12 99. One evening, several…
Fragile Articles Exclusion under BOP Q We request your opinion regarding a claim that has arisen under a businessowners package policy issued with…
Rare Articles Coverage Includes Coins? Q I am insuring a merchant on BOP Form BP 00 02 01 96 who had some rare coins stolen. Under optional coverage…
Replacement CostProvision in the 1996 BOP Q I'm adjusting a claim that is covered by an ISO businessowners policy form BP 00 02 01 96. The Loss Payment…
Business Personal Property at Fairs or Exhibitions Q Our insured has a retail store but occasionally will display some of the business personal property…
Businessowners — Sanitized Walls and Replacement Cost Coverage Q Our client owns several commercial rental properties. Each of the buildings…