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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.
Beating a Result of Riot or Civil Commotion? We have a commercial fire policy on a rental unit with named perils coverage that includes riot or civil…
Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…
Tire Damage Due to Skidding Q We are asking about the issue of tires that are damaged as a result of an emergency stop. There was a subsequent rollover…
Pollution Claim Covered by Business Auto or CGL Form? Q We have a question about the pollution exclusion in the business auto policy. If, during the…
Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…
Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…
Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…
Racing or Demolition Exclusion not Applicable to Emergency Vehicles Our insured is involved in a motorsports/race track program. There usually are special…
Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…
Tire Damage Exclusion Q The business auto coverage form has an exclusion that reads 'we will not pay for loss caused by or resulting from any of the…