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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.
Is a standalone smokehouse a fixture or a separate structure?
A question of location and territory provisions in the policy.
Is theft of employee's tools covered when off the work premises?
Discusses coverage for collapse and hidden decay under the businessowners form.
Is damage to two sections of property from same storm one deductible or two?
Discusses legal aspects of building coverage when insured by both landlord and tenant under different policies.
Discusses the term financial interest in the Businessowners policy.
Damage to Property Exclusion Applies to Undamaged Flooring? Our insured is a flooring subcontractor who installs hardwood floors. While in the process…
The difference between preparing to do work for a customer and actually doing the work. Preparation is not part of "your work".