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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.
Can backup of downspouts and gutters that causes interior building damage be covered under a backup of sewers and drains extension of coverage? The…
Interpreting “Ownership” or “Use” under the BOP May 13, 2014 Insured is a tenant restaurant. Named insured parked his Vespa…
Building Property versus Business Personal Property May 6, 2014 Our insured is a dentist with a Businessowners BP 00 02 form. The insured…
Vacancy Penalty at Center of Coverage Dispute May 6, 2014 We have a client who has water damage caused by the sprinkler system. The insurance…
Insurable interest of a unit owner's bank.
ATV as Customer’s Auto May 5, 2014 CA 00 05 03 10 defines "customer's auto" as follows: a land motor vehicle,trailer or semitrailer lawfully within…
Discusses explosion caused by insured using dryer to dry marijuana.
Coverage for Newly Acquired Trailer April 21, 2014 We have an insured who purchased a brand new utility trailer. Forty-five minutes after leaving the…
Other States Insurance A Feature of the Workers Comp Policy Widely Misunderstood April 21, 2014 Summary: In a business environment…
What Constitutes a Wind Event? April 14, 2014 Our policyholder was getting out of their vehicle in a parking lot. The wind takes the door out…