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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.
Workers Compensation, Uninsured Motorist Coverage, and Subrogation Rights A former employee was allegedly injured in an auto accident a few years ago.…
Newly Acquired Location Q We insure a risk that was recently hit by a tornado. After looking into the claim, we found that the insured had rented…
Personal Inland Marine Loss Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it appeared to have cracked.…
Peculiar Risk Doctrine Q One of the coverages that I have recently decided to provide for my clients in California is workers compensation. Reading…
Garage Policy—"Any Auto"Includes Semitrailer Q A garage policy insured was using one of his trucks to pull a customer's semitrailer from one…
Discusses coverage for equipment such as running boards, gps, and other additional equipment that may be added to a vehicle.
Discusses the limits of insurance applicable to additional coverages under the businessowners special property form.
Fraud over Payment Sent to Wrong Contractor? Q One of my policyholders sent a payment check to the wrong contractor. This contractor cashed the check…
PD Coverage under BAP For Insured on Out of Country Business Trip? We insure a business auto policy, and an insured rents a vehicle in his own name…
Fraudulent Acts Covered by Professional Liability Insurance? One of the exclusions under a lawyers professional liability policy applies to any claim…