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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.
"Upset" and "Overturn" Are Not Redundant Terms July 8, 2013 The insured was hauling an ice machine from his warehouse to a location where he…
Volunteer Workers and Tips July 15, 2013 We insure a seasonal condo association consisting of 20 individual units under CGL Form 00 01 12 07. During…
Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…
Unauthorized Alterations and Coverage under a BOP July 8, 2013 Our client, who is insured under a businessowners form, was in the process…
Nesting and Infestation Exclusion July 1, 2013 Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…
Claim Payment—When Due? Our homeowners insured (HO-3, 4/84 edition) suffered a theft loss over three months ago and has not yet received a check…
Direct Primary Coverage under GKLL March 21, 2012 This is a garagekeepers coverage question. The insured has direct primary coverage. The insured changed…
Personal and advertising injury and the display of a body cast.
Med Pay Coverage under the PAP June 24, 2013 We have a named insured driver who has a prosthetic leg that was damaged in an auto accident. The prosthetic…
Completed Operations and Your Work Exclusion We insure a fertilizer dealer who also does some application of the fertilizer. The fertilizer dealer classification…