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.

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.

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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.


February 22, 2025

When a building is damaged but the perishable stock is not harmed, is there coverage for the stock?

February 16, 2025

When a golf cart used to service the premises is hit by a tree, where is coverage found?

February 10, 2025

How would a cistern be covered under a BOP - as plumbing, as a structure, or something else?

February 03, 2025

When an insurer wants to cut oversize tile to fit instead of replacing the entire floor.

January 27, 2025

When an insured takes his vehicle onto a track for a driving experience, does it fall under the racing exclusion?

January 20, 2025

When a tree damages a utility pole, is the homeowner responsible for repairs to the pole?

January 13, 2025

When a tractor/trailer tips over, is towing part of the loss, or covered under the towing coverage?

January 06, 2025

When vandalism to a water pipe causes a large water bill, is there coverage?

December 30, 2024

Some of the editors' favorite questions from this year.

December 23, 2024

Are seasonal docks personal property or an other structure?