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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.
Assault and Battery Exclusion, Negligent Hiring, and General Liability Coverage A claim involving a stabbing of a tenant by an unknown assailant has…
"Your Product" Exclusion and the CGL We handle the general liability insurance for a company that manufactures seats for delivery vehicles. The company…
A business that we insure paid a new employee erroneously. Instead of paying the employee $680, the business paid him $11,000 for 680 hours of…
Personal Property of Others under a Businessowners Policy Q Our insured is covered under a Businessowners Standard Property Coverage form BP 00 01…
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…
Questions the amount payable on a blanket property policy when not insured to value.
Garagekeepers Legal LiabilityInsurance and Rental Coverage Q We insure a garage under a standard ISO garage form. Collision coverage is provided for…
Partnerships and Individuals—Who Is An Insured? The commercial general liability (CGL) coverage form is supposed to be rather comprehensive in…
"Mechanical Breakdown" under Farm PolicyQOur farmowners insured was driving his tractor when he hit a rather large branch lying on the…
Equipment Dealers Coverage Form and the Other Insurance Clause The other insurance clause on the commercial inland marine conditions form states the…