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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.
Wheelchair as a Prosthetic Device June 11, 2012 Our insured was injured and his wheelchair was damaged in a rollover loss; the wheelchair was strapped…
Property Damage and Fire Department Charges June 11, 2012 Is the CGL form not meant to pay expenses to fight a fire for which the insured is negligent?…
An explanation of public or livery conveyance and use of a personal car by a realtor and others.
Discusses if there is business income coverage available to insured tenant when property owner is required to shut down the business to remove underground storage tanks.
Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…
Insured uses a golf cart as major means of transportation; is rental covered in case of loss of cart?
Insured Contract Coverage under the BAP May 21, 2012 Our insured has a BAP policy with symbol 1 for liability and symbol 8 for physical damage. An…
Homeowners Coverage for a Home Never Occupied May 21, 2012 The insured's rental property was constructed two years ago, and a certificate of occupancy…
Engagement Ring—Purchaser vs. Wearer May 14, 2012 If an insured bought a diamond ring for his son to give to his fiancée, both of whom…
Replacement Cost Claims after Death May 14, 2012 We have a fire claim under the HO 00 06 04 91, Unit Owners Coverage form, with the replacement cost…