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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 agency insures a beauty shop under a Business Owners Policy (BOP) (ISO BP 00 02 12 99) providing coverage for the insured's building and business…
Discusses whether reproduction costs should be covered as extra expense.
When property covered by a warranty is damaged, what happens to the warranty after repair?
Can tarps be considered part of the roof?
When ice from the sprinkler causes the unit to collapse.
Countersignature Responsibility Q Who is ultimately responsible for making sure that a policy is countersigned? The agent who produces the business…
Cut-Through Endorsements Under Reinsurance Policies Q We are seeking reinsurance policies for several of our insureds. One of the insureds has asked…
Pair or Set Clause Our insured threw away an old bathrobe, not realizing her diamond earrings were in the pocket. By the time she discovered they were…
Claims-Made Policy and Late Notice Our insured has a claims-made directors and officers policy with employment practices coverage. Our insured terminated…
Garage Policy not for Storage Expenses Our insured is a trailer/RV dealer. His Dodge truck had a fire in the engine. At the time, the insured was pulling…