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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.
If a Building's Keys Are Stolen, Does Insurer Pay to Change Locks? September 19, 2011 If the insured has a commercial building policy and the building…
Nuclear Energy Liability Exclusion September 20, 2011 The nuclear energy liability exclusion, IL 00 21, is attached to all liability policies. No one…
Products and Completed Operations Hazard Redefined September 20, 2011 A person goes into a restaurant, consumes and ingests the food, and becomes ill.…
Tenants Liability Endorsement and Damage to Personal Property September 20, 2011 I received a claim in which the insured leases a building from a landlord.…
Damage from a windstorm and which deductible applies?
Personal Auto Claim or Homeowners Claim Our insured has a personal auto policy. After he completed pumping gas into his vehicle, he was returning the…
Hit-and-Run Driver Responsible for Property Damage Claim August 29, 2011 A hit-and- run driver hit a car, which in turn was pushed into a building.…
Discusses application of depreciation in determining actual cash value with regard to commercial property, personal property, and autos.
Is liquid waste an object?
Certificates of Insurance and Insureds August 18, 2011 My question is concerning the Acord 25 Certificate of Liability. We have an insured with an…