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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.
Coverage Territory under a BOP Our insured has a businessowners policy (BOP) under which he insures his office. He often shares other office locations…
Builders Risk Occupancy and Completion Issue Our insured had a completed value builders risk policy on a four-townhouse building under construction.…
Inland Marine Coverage as All Risk Our insured operates a stone quarry and has a stone crusher covered under an inland marine form. The motor that pumps…
Workers Compensation Policy Does Not Respond to Nonoccupational Twenty-Four Hour Coverage State workers compensation laws require an employer to provide…
Appraisal Clause Does Not Determine Coverage There is language in the appraisal clause that states "If there is an appraisal, we will still retain our…
Does an overflowing washing machine constitute a flood?
Discusses if a monetary deductible applies to business income coverage.
Discusses whether providing personal information to a bill collection is a violation of privacy under the BOP policy.
Workers Compensation, Uninsured Motorist Coverage, and Subrogation Rights A former employee was allegedly injured in an auto accident a few years ago.…
Relationship of Homeowners Bylaws to Ordinance and Law Coverage Our insured, an attorney, has questioned our response to not considering the homeowners…