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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.
Who Is an Insured Coverage and Executive Officer March 21, 2012 I have an insured who owns several large buildings in his name as an individual; he…
A question of coverage for mold damage to stored vehicle when wear and tear exclusion is applied.
Definition of Business March 5, 2012 The insured is a retired music teacher who charges $10 a lesson for thirty minutes of her time. The insured said…
Loading or Unloading Coverage Question February 27, 2012 The insured had unloaded the floor buffer and performed the cleaning operation. The employee…
Tenant's Improvements and Betterments Valuation February 20, 2012 If a tenant makes improvements and betterments in a rental office unit, the tenant…
Adopted Child Causes Damage in Auto Accident September 5, 2011 I am working on a complaint that involves whether the auto liability should pay for damages…
The insured mistakenly paid seven of his former sales employees more sales commission that he should have paid.When the insured discovered his error,…
Are locks and keys covered as a pair/set?
When the temporary residence lease expires after the ALE terminates.
Cameras no Longer Business Property February 7, 2012 Our insured has a $20,000 camera floater for professional use. He is now on disability retirement…