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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.
Wall-to-Wall Carpet over Hardwood December 28, 2015 I have a coverage question that has arisen with a partial loss house fire on an AAIS Form HO3.…
Personal Auto Accident Question December 21, 2015 Under a personal auto policy we have a situation in which our insured struck the rear of another vehicle,…
Questions if the insured must prove that the property deductible will be exceeded before the carrier will pay for the loss of business income
Your Work Exclusion Inquiry December 7, 2015 Our policyholder was hired to re-stain an existing wood fence. He power washed the fence with water only,…
Are the XCU exposures covered under the standard CGL?
Club Member Injured Through Advice of Insured December 7, 2015 A fitness products company has an online membership program. The customers pay a monthly…
Club Member as Additional Insured December 7, 2015 The insured is an association for classic enthusiast, and they have a GL policy and hold events for…
When trees are damaged by fire, where does debris removal coverage come into play?
Damage to engine caused by diesel in the gas tank.
Third Party Property Damage Claim November 30, 2015 We are currently handling a third party property damage claim under Business Owners Liability Coverage…