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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.
Emergency Medical Team Damages Doors to Rescue Insured We have an agency customer on an HO3 policy. He had suffered a medical condition and called 9-1-1…
Our insured carries employee dishonesty coverage under forms CR 00 01 and CR 10 00, both 10/90 editions. The insured owns and places video game machines…
Discusses who has care of a tenant's property in storage when it is mistakenly discarded by the insured.
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,…
Trees, Shrubs, and Plants Growing in the Ground Are Property Not Covered Our insured is a nursery operation whose business is that of growing…
Business Auto and Claimant's Lost Wages A claim has been presented against our company and our insured for loss of use and lost wages by the…
Professional Liability—Fraudulent Acts— Actual versus Constructive Fraud—Archived Article Q One of the exclusions under the lawyers…
Non-Resident Relative Coverage for Rental Vehicle Our insured's son has returned from Iraq and he will be stationed in Texas The son, with his parents'…
Deductible Charged in One Occurrence at Issue Our client has a BP 00 03 01 06 policy with a $500 policy deductible. The insured sustained a break-in…
Theft of Credit Card Numbers from Merchant Restaurant employee or outsider (cleaning crew perhaps)stole the credit card information from patrons of…