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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.
Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…
Unauthorized Alterations and Coverage under a BOP July 8, 2013 Our client, who is insured under a businessowners form, was in the process…
Nesting and Infestation Exclusion July 1, 2013 Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…
Claim Payment—When Due? Our homeowners insured (HO-3, 4/84 edition) suffered a theft loss over three months ago and has not yet received a check…
Personal and advertising injury and the display of a body cast.
Direct Primary Coverage under GKLL March 21, 2012 This is a garagekeepers coverage question. The insured has direct primary coverage. The insured changed…
Completed Operations and Your Work Exclusion We insure a fertilizer dealer who also does some application of the fertilizer. The fertilizer dealer classification…
Med Pay Coverage under the PAP June 24, 2013 We have a named insured driver who has a prosthetic leg that was damaged in an auto accident. The prosthetic…
Notification and Question of Coverage under a D&O Claims-Made Policy June 17, 2013 We have a client that is a board member of a nonprofit organization.…
June 12, 2013My question involves certificates of insurance. On the certificate, we are telling the certificate holder that he will be notified of…