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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.
A question of bats, and whether they fall into the category of birds, vermin or rodents.
Theft of Employee Tools and Care, Custody, or Control Question September 2, 2014 I have a claim involving theft of employee tools and need your opinion.…
Limit on Coverage of Loss to Stock August 25, 2014 On the declarations page of a CP 0010 06 07, Building and Personal…
Common Area Staircase Damaged September 1, 2014 Our insured has a BOP policy. The insured leased an area in a building in which to run…
Discusses whether this loss is a covered occurrence or excluded faulty workmanship.
Loss of Water as Loss of Use August 18, 2014 I have had two recent scenarios that involve an increased water bill following a covered loss. In…
Property Damage Caused by Riding Lawnmower August 11, 2014 The insured is a lawnmower repair company. The insured went to a customer's home to pick…
The Microorganism Exclusion August 5, 2014 The insured is a hotel. Claimant and her children and husband stayed at the insured hotel for seven days.…
July 28, 2014 I have a case where a frame restaurant has a sprinkler system and is recognized by ISO as being sprinklered, but the system does not…
Party in Leased Premises Causes Damage July 21, 2014 A beach house insured on an HO 03 policy was rented to others. Our investigation revealed…