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.


December 26, 2022

Articles related to snow, ice, freezing temperatures and related coverage issues.

December 26, 2022
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Editors favorite coverage questions from 2022 including bears, bull semen, motorized surfboards and arson.

December 19, 2022
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When the point-of-sale company for a business suffers a loss, does the insured's policy provide coverage for the stolen funds?

December 12, 2022
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When an insured rents out his condo and the appliances are stolen, does coverage apply?

December 05, 2022
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A tree house is damaged in a fire, along with several other insured buildings. However, the tree house was not listed on the property declarations, and the subscriber asks if it is covered as an outdoor fixture on form CP 00 99.

November 28, 2022
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How is the hurricane deductible applied when there is damage to both the dwelling and personal property?

November 21, 2022
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When an insured dies, who is allowed to drive the vehicle?

November 14, 2022

This question deals with a claims situation where a hotel's chef was injured at his employer's culinary awards celebration, and the claim's applicability to workers compensation coverage.

November 07, 2022
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Policy language regarding cosmetic repairs and an endorsement requiring like kind and quality seem to be at odds in this particular question dealing with matching.

November 05, 2022
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When there's a social function at work and an employee is injured, coverage becomes complicated.