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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.
Definitions in CGL Form Affect Coverage Our insured is being sued along with the health insurance provider by a hospital because the health insurance…
Other Insurance Clauseand Excess Coverage Q Our insured operates a computer repair shop, and regularly has the property of his customers in his care,…
Surface Water Overflow Not Covered My insured has an endorsement for back up of sewer or drain water damage. The endorsement reads "The following additional…
Discusses the term financial interest in the Businessowners policy.
Removal of debris that fell into hole.
"Leased Employee" Defined Q Recently in our office we were discussing the businessowners liability coverage form, that states "employee" includes…
The difference between preparing to do work for a customer and actually doing the work. Preparation is not part of "your work".
Discusses two different claims with two different outcomes for ice damming and frozen pipes.
Fire as a Result of Burglary Covered? Q We insure a warehouse with the CP 00 10 04 02. The policy is endorsed with form CP 12 11 10 00, burglary and…