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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.
Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…
Coverage for a Rented Houseboat June 19, 2012 The insured has a HO-3 policy and is going on a trip and renting a house boat. If the insured was liable…
Vehicle Damaged in Transit June 11, 2012 Our insured is a vehicle transportation company that has a businessowners policy with a garagekeepers endorsement.…
False Pretense Exclusion and Theft Coverage June 11, 2012 We would really like your opinion regarding a discussion we have been having with regard to…
PAP Med Pay and Horseback Riding June 11, 2012 The personal auto medical payments coverage extends to the named insured while a pedestrian when struck…
Wheelchair as a Prosthetic Device June 11, 2012 Our insured was injured and his wheelchair was damaged in a rollover loss; the wheelchair was strapped…
Property Damage and Fire Department Charges June 11, 2012 Is the CGL form not meant to pay expenses to fight a fire for which the insured is negligent?…
An explanation of public or livery conveyance and use of a personal car by a realtor and others.
Discusses if there is business income coverage available to insured tenant when property owner is required to shut down the business to remove underground storage tanks.
Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…