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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.
Athletic Participants Exclusion and General Liability Coverage Our insured owns a hotel and wants to rent out the ballroom for a boxing match. I asked…
Advertising and Auto Exposure for Insured Our insured has paid to have his business name painted as advertising on a stock car used at the local race…
Should additional living expenses on a homeowners policy be paid when floor sinks and residents are ordered to vacate until it is repaired?
"Your Product" Exclusion and the CGL We handle the general liability insurance for a company that manufactures seats for delivery vehicles. The company…
A business that we insure paid a new employee erroneously. Instead of paying the employee $680, the business paid him $11,000 for 680 hours of…
Garagekeepers Legal LiabilityInsurance and Rental Coverage Q We insure a garage under a standard ISO garage form. Collision coverage is provided for…
Partnerships and Individuals—Who Is An Insured? The commercial general liability (CGL) coverage form is supposed to be rather comprehensive in…
Legal Liability Coverage for a Lessee? We have an insured who has signed a lease that makes him responsible only for the roof. I interpret the damage…
Personal Property of Others under a Businessowners Policy Q Our insured is covered under a Businessowners Standard Property Coverage form BP 00 01…
Questions the amount payable on a blanket property policy when not insured to value.