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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.
Employee's Salary a Continuing Operating Expense Who decides which employees and their payroll remain during the period of restoration? The insured…
Employee Dishonesty—Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…
Discusses whether a loss of tax credits is a qualifying business income loss.
Discusses coverage when picture submitted is incorrect.
Garagekeepers Faulty Work Exclusion Q Our insured is a car wash operation. While washing a car, the insured's employees used a solution to clean the…
Our insured is a retail fish market located on Main St. On 12/31/01 a water main broke which flooded a number of businesses located on the opposite…
Is the expense incurred to move tenants to temporary quarters a covered extra expense?
What coverage is available when a fire destroys a manufacturer's leased premises?
Questions if business income coverage applies if a business must shut down due to gasoline fumes (odor).
Businessowners Policy — Coverage for Property of Others Q An agent of ours had a question regarding property of others in the insured's…