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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.
BOP Coverage and Property Damage Exclusions We insure a distributor of metal brushes. The insured mistakenly sent a customer nickel coated brushes instead…
Irrigation System: Plumbing or Not? November 7, 2010 We have an insured with a Masterpiece homeowners policy with Chubb. The insured has an irrigation…
Assumption of Obligation Explained November 8, 2010 Duty C. in Section V. Duties After Loss of the ISO Personal Umbrella Policy reads as follows: "…
Son Living in Other Structure a Member of the Household? November 7, 2010 I have a question on an HO 00 08 04 91. The insured's forty-two-year-old son…
November 7, 2010The insured signed a merchant service agreement with ABC, Inc. for check verification and check conversion services.A processing…
Extended Period Provision and Coinsurance November 29, 2010 Is the extended period calculation subject to the coinsurance provision of a commercial…
A question of determining value of a claim when it takes a long time to settle and values change.
Pollution Liability and Product Damage November 15, 2010 The insured sold a container with bleach to customer. While the customer was transporting the…
Is a tripped breaker a covered cause of loss for business income?
Cohabitating Fiancé November 1, 2010 We denied a burglary claim due to the stolen property belonging to a roomer/tenant and the covered property…