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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.
Boat Sinking and Loss of Personal Property An insured's boat sank and the personal property on the boat was lost. The insured's boat policy only had…
When the electrical current damages jewelry.
Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…
Business Pursuits—Charitable and Social Boards A question has come up as to whether liability arising from an individual's service without pay as…
Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…
Personal Auto Exclusion A.3 and Multiple Insureds We have a claim in which the policyholder works for an auto dealership. He had a demo vehicle at his…
Damaged Prosthetic Leg Covered by Medical or Homeowners Policy? This pertains to a Dwelling Policy 3- ISO form DWG 3 in Louisiana . Insured had a prosthetic…
Snowplow damages blacktop; is there coverage?
Fire Loss Claim under BAP The insured's vehicle was hit by molten metal thrown from a passing train causing the rubber around the windshield to smolder…
Loading or Unloading Issue under BAP and CGL Form Our question is whether a business auto policy or a general liability policy would respond to this…