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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.
Physical Damage Coverage — Temporary Substitute Vehicles Q We have a claim in which the insured rented a temporary substitute vehicle while…
Funeral Directors Liability, Auto Accidents, and Damage to Bodies Our insured is a funeral director and has his business insured under a BOP with endorsement…
Drive Other Car Coverage Subject to a Deductible? Our insured has a business auto policy with endorsement CA 99 10, drive other car coverage, attached.…
Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…
Trailer Coverage under the BAP I have a question about the business auto policy. The policy declares that it covers trailers with a load capacity of…
Items in a Locked, Unattended Vehicle May Be Considered in the Insured's Care, Custody or Control An insured contractor parked his truck at a friend's…
Premises — Meaning of Q The businessowners policy covers business personal property including property in the open within hundred feet of the…
Discusses whether items in a locked vehicle are in the insured's care, custody or control.
Stunting Activity Exclusion Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional activities. Injury…
Products/Completed Operations Excluded by Endorsement? My question is in regard to the exclusion for designated work endorsement, CG 21 34 01 87. The…