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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.
Personal Property of Others Coverage in Comparison with Bailees Coverage September 22, 2014 What is the difference in coverage between personal property…
“Your Product” Defined September 1, 2014 Our agency insures a plumbing concern in Michigan. They installed a new sump pump that was faulty…
Damage to Your Property or Damage to Your Work September 1, 2014 We insure a businessowners policy with liability coverage form SB 00…
Loss of Consortium September 1, 2014 An insured has 50/100 BI coverage and is involved in an "at fault" accident. The claimant claims $50,000 in BI…
Comp or Collision Revisited September 1, 2014 The below capture is an excerpt from the FC&S Personal Auto discussion from your website questioning…
Depreciation and ACV September 15, 2014 A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing…
Builders Risk Pro Rata Cancellation Question September 2, 2014 If a construction contractor renews a builders risk policy for one year but then completes…
Trailer Coverage under Symbol 2 September 8, 2014 Our insured had and still has a business auto policy, CA 00 01. Physical damage coverage is under…
Television Damaged during Testing September 2, 2014 I have an insured (subcontractor) who has set up a number of electronics to test the system as part…
A question of bats, and whether they fall into the category of birds, vermin or rodents.