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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.
Replacement Cost Contractual Obligations January 9, 2013 Under a replacement cost contract on a commercial insurance policy, is the insurer’s…
Trailer Covered as Business Personal Property or Storage Shed? January 9, 2013 Our insured's policy excludes trailers as business personal property.…
Day Laborer “Employee” Under Temp Agency’s CGL Policy? This loss occurred in Texas . The insured provides temporary staffing. The…
I am handling a claim for the insured on an open perils homeowners policy with an endorsement that covers code upgrade/enforcement. The covered peril…
Does a BOP liability policy provide coverage for the claimant's legal fees as ordered by a local judge? Are legal fees specifically excluded by the…
Payment for Loss to Property of Others January 4, 2013 Our insured carries a CP 00 10 10 90 form and has a loss that involves property of…
Relative Must Be Resident in Order to Be Insured December 26, 2012 The following circumstances apply: • Our named insured is the owner of the building…
Are spouses covered under a BAP?
Unscheduled Trailer as Cause of Accident December 11, 2012 We issued the Business Auto Coverage Form, CA 00 01 10 01, with Symbols 7, 8, and 9 for liability…
False Pretense Loss Coverage in Question December 11, 2012 The insured is in the business of auto sales and is covered by a Garage Coverage Form, CA…