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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.
Settlement for Loss of Cell Phone June 13, 2016 A cell phone is part of a covered loss in a homeowners policy. The insured obtained the cell phone at…
Bodily Injury and Illegal Strip Search June 6, 2016 Under a standard CGL coverage form, is an alleged illegal strip search resulting in bodily injuries…
Completed Operations as Defined June 6, 2016 The insured was hired by the claimant to trim four trees in the side yard in front of the claimant's house.…
Is there coverage for property stolen from a vehicle in the insured's care, custody or control?
Discusses care, custody and control exclusion.
Customers' Flooring under the Building and Personal Property Coverage Form May 30, 2016 We insure a flooring company that will store flooring in their…
Waste from Dogs Left Alone May 23, 2016 The landlord owns a home insured on a DP-3. The tenant dies off premises, leaving two dogs inside, unknown…
Discusses proper form for adding additional insured for state or government agencies.
Personal Property in Detached Trailer Considered Temporarily Stored? May 9, 2016 Our insured has a warehouse operation. A common carrier arrived late…
Resident Relative and Separate Policies May 3, 2016 The insureds are a mother and daughter who reside together. The mother has an HO-3 policy (HO 00…