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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.
Business Personal Property Includes Heavyweight Tables September 27, 2010 Our insured, a flea market, experienced a fire loss. Each vendor booth at…
iPhone – Cell Phone or Electronic Data Processing Equipment? September 20, 2010 A question has surfaced about the iPhone and the application of…
GKLL Direct Primary Coverage Compared to CGL Coverage Our insured owns a parking garage. The insured has coverage under GKLL as Direct Primary and the…
Impaired Property Exclusion and Mismatched Flooring Our insured improperly installed a dishwasher and caused the supply line to leak a week after.…
Damage caused by a sloppy tenant.
Understanding the Special Deductible as it applies under the Earthquake Endorsement.
Damage to Premises Rented to Others Limit of Insurance August 23, 2010 Our insured has a businessowners policy. The policy dec page shows the following…
Benefit of the Doubt Goes to the Insured August 16, 2010 Under the building and personal property coverage form, if, after an inspection of the property,…
Discusses the theft of copper pipes and other damage in a home burglary.
Settlement Value of Scheduled Jewelry August 4, 2010 Insured's wife had her wedding ring stolen. The insurance company has agreed to replace it. The…