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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 owns a two-story commercial building that is insured on an ISO commercial property form. There are offices on the first floor and apartments…
Installation Floater—Subcontractor's Vandalism Loss Q Our question concerns a dispute as to whether wiring installed by our insured, an…
Rupture of pipes when the boiler quits working; is there coverage?
Protective Safeguards Endorsement and Mortgagees Q Our company issues mortgages, and we are named as a mortgagee on the insurance policies of these…
Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…
Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…
Mobile Equipment Definition Includes Lunch Wagon? Q We have a question concerning the definition of "mobile equipment" as it appears on the commercial…
Damage to Property Exclusion Applicable to Loss? Our insured was hired to lay carpet in a customer's home. As the insured and his two employees were…
When the power goes out, what happens when the surge when the power comes on causes damage?
Sinkhole Collapse under Commercial Property Form Q Our insured's building is covered by the building and personal property form (CP 00 10 04 02),…