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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.
Our client has several buildings located in different parts of the country. One group of buildings had a flood loss last summer that damaged three…
Discusses drawees relative to credit card transactions.
Towing Charge for Covered Autos Our insured has a business auto policy (BAP) with symbols 7, 8, and 9 for covered auto designations. He borrowed a trailer…
Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…
Your Product Exclusion and Defective Floor Panels This claim deals with wood floor panels that our insured sold to the claimant. The claimant bought…
Loss of Use Part of Property Damage Claim Our insured is a contractor who was hired to do some road work for a municipality. While grading an area near…
Water Damage Covered due to Insured's Mistake? A customer of an insured car dealership received a recall notice from the manufacturer and took the notice…
Collision Between Two Owned Autos Our insured, who has a commercial auto policy using symbol 7 (specifically described autos), rear ended his wife's…
Coverage Territory Dispute under BAP We would like your opinion about the following issue. We have an insured that purchased a vehicle in California…
Personal Injury Claim under CGL Form Our insured has been named in a complaint alleging that they "personally or through their employees encouraged…