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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.
Stolen Credit Card Transaction is Uninsurable Business Risk Our insured is a merchant with commercial crime coverage under CR 00 20 07 02, Commercial…
Ordinance or Law Coverageon a Commercial Policy Q We insure a church on a commercial property policy (CP 00 10 04 02). Endorsed to that policy is…
Storms Over a Period of Time Not Considered One Occurrence We have a question concerning the application of deductibles under a Builders Risk form..…
Agreed Value Option Explained I need clarification or opinion regarding CP 00 10 04 02, Optional Coverages, Agreed Value, paragraph a, second sentence:…
Computer Tapes Covered as Commercial Property? Q We insure a small business under a commercial property policy, form CP 00 10 04 02, with special…
Depreciation Amount Withheld by Insurer We are public adjusters, and we have a commercial insured with a CP 00 10 04 02. The insured had a covered total…
A question of location and territory provisions in the policy.
Water Damage Exclusion — Ice Damage Q We have a commercial property insured under the CP 00 10 04 02 policy with special causes of loss form…
Is a standalone smokehouse a fixture or a separate structure?
Is theft of employee's tools covered when off the work premises?