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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.
Contributory Coverage for Bodily Injury to an Insured? Our insured has a standard homeowners policy. Last fall he and his daughter, age six, were in…
Damage to Hotel Room on Business Trip—CGL or Homeowners? Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure…
Discusses ash cleanup for dwelling and personal property.
The Latest in Cannabis Coverage May 2, 2018 At the request of the California Department of Insurance, AAIS has developed a BOP policy for the cannabis…
Wind Damage to Personal Auto Our insured has both collision and other than collision coverage on his auto. The facts of the incident are that the insured…
Discusses when a carrier no longer has a duty to defend.
Sales Tax in the Settlement of Retained Total Loss Automobiles Under Part D of the PP 0001, the Payment of Loss language indicates our payment will…
Towing of Vehicle Covered under the PAP? Our personal auto policy (PAP) insured borrowed a friend's car to drive, which broke down. He then used his…
Separation of Insureds Clause and Family Members We have been informed by one of our companies that there is a potential auto liability BI claim for…
Is vicarious liability coverage available under PAP?