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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.
Garagekeepers Legal Liability and Direct Coverage We have a tire and auto repair shop insured with a standard garage policy and garagekeepers coverage.…
Garage Coverage and Theft We have several questions pertaining to theft losses that have occurred in our insured's garage business. In the first scenario,…
Theft of Credit Card Numbers from Merchant Restaurant employee or outsider (cleaning crew perhaps)stole the credit card information from patrons of…
Artificially Generated Electrical Current Peril I am interested in your analysis of the Sudden and Accidental Damage from Artificially Generated…
Workers Compensation Policy Does Not Respond to Nonoccupational Twenty-Four Hour Coverage State workers compensation laws require an employer to provide…
What is Forgery? Q I need some help with a Crime Protection claim involving forgery of applications and premium finance checks. Our client is a premium…
Appraisal Clause Does Not Determine Coverage There is language in the appraisal clause that states "If there is an appraisal, we will still retain our…
Stunting Activity Exclusion—Archived Article Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional…
Coverage Territory Does Not Include Europe Does the Business Income From Dependent Properties—Broad Form (CP 15 08 06 95) provide coverage for…
Replacement of Broken Tiles I have a broken tile claim where the home has the same tile throughout and the insured is requesting replacement of the…