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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.
Dropped Cell Phone March 9, 2015 The insured, while driving his vehicle, had his cell phone in his lap. He parked his vehicle, and when he got out of…
March 2, 2015 Our agency has an insured with a banquet hall and art museum where the insured holds special events and sells alcohol to the guests.…
Condominium Endorsement and Coverage for Water Loss February 23, 2015 We have several owned, but rented out condominium units insured…
Exception to wear and tear exclusion provided coverage for water damage from a broken pipe; damage to the pipe was not covered.
Insurance for a rented condo.
Med Pay Dilemma February 9, 2015 We have a NYS personal auto policy for our insured. His child's finger was injured when the door of a rental car was…
Delivery Coverage under the BAP February 9, 2015 Many businesses such as restaurants, delis, and pizza places deliver. Does the non-owned auto coverage…
Costs and Fees as Property Damage February 9, 2015 Our insured is a commercial painter. He was contracted to strip old paint off a building and repaint…
Which policy should cover a handyman's injuries?
When you hit a deer then get rearended; one deductible or two?