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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.
Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…
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…
Water Loss From Swimming Pool Covered by BOP? Q We insure a local country club on a businessowners policy (BOP) with special causes of loss. Recently,…
Replacement Cost Defined Our insured has a businessowners policy, ISO special form BP 00 02 12 99. In August, lightning destroyed the computerized phone…
Falling Objects and the BOP Q An insured knocked over a medical instrument that contained mercury. The mercury spilled and cleanup costs were incurred.…
Negligent Work Exclusion and the BOP Q Our client's building is insured on a BOP special form. The building has two levels. Recently, the insured…
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…