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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.
Expected or Intended Injury Exclusion February 4, 2010 Does the expected or intended injury exclusion in the CGL form exclude coverage for assault and…
Insured Contract and Other Insurance February 4, 2010 Our insured has the current BAP and endorsement CA 20 54, employee hired autos; the covered auto…
Where the product is manufactured and where the claim is filed.
Med Pay Coverage and a Fall on Adjacent Property February 4, 2010 We use the following med pay language in our general liability policy: We will pay…
ACV Settlement and Deductible Applicability February 1, 2010 The insured has a claim on a CP 00 10 04 02 policy. The insured had an ATM machine in her…
Part-time Resident Son's Vehicle "In the Care of" Insured Father? January 25, 2010 In the Texas auto policy at issue, "family member"…
Fair Rental Value and Occupancy of the Dwelling January 21, 2010 Insured property is covered on an HO 02 and the insured is claiming Fair Rental Value…
Policy Information RetentionJanuary 21, 2010A personal lines client asked how long should he retain copies of their insurance policies? Please…
Theft of Property Sold Online January 21, 2010 The insured sold a diamond engagement ring on eBay. The buyer paid with a fraudulent Paypal account,…
HO 04 90 Personal Property Replacement Cost Endorsement Application January 21, 2010 Golf clubs were stolen from the insured's parked & locked…