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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.
Food Spoliation Claim March 18, 2013 The insured has coverage under a CG 00 01 (12-04) form. After completing improper repairs on a refrigeration unit,…
Pollution Exclusion Application March 18, 2013 The insured was hired to install a tracking system at a cheese processing facility that would pull two…
PAP Coverage and Family Member Issues March 18, 2013 Our insured's granddaughter is operating the insured's vehicle (with permission) when she rear…
March 18, 2013Our insured is a towing company. The insured was towing a car out of a ditch with a winch cable with controls on back of the tow truck.…
Pollution Exclusion and Heating Equipment Exception Our insured rented the meeting room of the local fire hall to the blood bank to collect blood donations.…
Scope of Coverage under CGL Form A prospective insured, a scrap dealer, currently is rated (incorrectly, we believe) as an auto dismantler; he also…
Are unlocked files considered personal and advertising injury?
When work by a subcontractor triggers ALE on the homeowner policy.
Collision Definition under Property Form March 4, 2013 We have a question regarding the following item in the CP 10 30 10 12: F Additional…
Wet Floor Versus Wet Rot This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the…