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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.
Our insured is a pre-sort mailing service in which it does large bulk mailings for a local bank. One of the employees stole some credit cards that…
Discusses accidental freezing caused by employee error.
Our insured is a support organization for a local university. One of their major sources of income is a campground that is manned by employees during…
Discusses rental value when property was not occupied at time of loss.
One of my clients, a physician, learned that his office manager had accepted more than $3,000 in personal long-distance phone calls during…
Scaffolding Coverage Under the Small Tools Floater We have insured a small contractor for a number of years, and have generally arranged…
What coverage is available to a commercial property held for rent when it suffers damage from a covered cause of loss before a tenant moves in?
My insured has claims-made pollution coverage for underground storage tanks. A leak in one of the tanks occurred in April, 1999. However, my insured…
Our agency insures a beauty shop under a Business Owners Policy (BOP) (ISO BP 00 02 12 99) providing coverage for the insured's building and business…
Discusses whether reproduction costs should be covered as extra expense.