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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.
Period of Indemnity and Period of Restoration Can you explain the difference between the period of indemnity and the period of restoration? California…
Property Loaned to Insured Exclusion Our insured is an interior designer who utilizes loaned items to decorate model homes. Our insured was loaned…
Renting of Office in Home On an HO3 policy, the insured is living in the house but is renting out a room for office space. An exclusion says that…
Farm Coverage for Hazardous Material Our insured had a heating oil tank blown over during a windstorm requiring a haz mat clean up. The…
Signs Temporarily Unattached Excluded under Commercial Property Form Our insured had some signs that were permanently attached to the exterior walls…
Boiler and Machinery Damage by Testing Excluded? The current boiler and machinery policy has an exclusion pertaining to damage to covered equipment…
Garagekeepers Symbol 30 Requires Employee Payment for Services We have a client that owns a restaurant with valet parking service. He wants to insure…
What is Forgery? Q I need some help with a Crime Protection claim involving forgery of applications and premium finance checks. Our client is a premium…
Garagekeepers Legal Liability and Direct Coverage We have a tire and auto repair shop insured with a standard garage policy and garagekeepers coverage.…
Performance Bond Guarantees Completion of Work Our client, a municipality, has contracted with a builder to construct a service center. At the time…