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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.
Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…
Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…
Racing or Demolition Exclusion not Applicable to Emergency Vehicles Our insured is involved in a motorsports/race track program. There usually are special…
Loss of Income Coverage and Power Failure Q Our insured's policy provides loss of income coverage with a limit of $25,000 in any one "event" on loss…
Employee’s Auto Rentedby Employer — How to Cover? We have an example of a possible coverage gap under the business auto coverage form.…
Premises — Meaning of Q The businessowners policy covers business personal property including property in the open within hundred feet of the…
Snowplowing Claims and the CGL Form Does the CGL form provide completed operations coverage for snowplowing claims? I always thought that there was…
Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…
Items in a Locked, Unattended Vehicle May Be Considered in the Insured's Care, Custody or Control An insured contractor parked his truck at a friend's…
Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…