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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.
What coverage is available when a residence suffers a second fire loss while repairs are being made for an earlier fire loss?
Discusses whether odor from a neighboring residence can trigger ALE for an insured.
Liquor Liability Exclusion and Scheduled Exception May 2, 2011 Liquor liability exclusion endorsement, CG 21 51, is attached to the CGL form of our…
Homeowners Coverage for a Business Property Our insured is an employee of a rural water association. Someone stole a water line detecting device from…
A question of coverage for mold damage a result of water seepage over a period of more than fourteen days.
Determining use of office space when business equipment is kept there but business conducted elsewhere.
Trailer Coverage under BAP In the opinion of FC&S, and in consideration of the form CA 00 01 10 01, business auto coverage form, does provision…
Functional Replacement Cost Insurance and Property Coverage April 14, 2011 We have a large commercial claim in which the insurance carrier has put a…
Rental Car Exposures under PAP Our named insured resides on outer island (Island of Kauai) and has one of his scheduled autos on another island ( Island…
Employee Dishonesty and Overpayment of Wages April 14, 2011 The form is BP 00 03 01 06. Our insured had an employee who was adding time to her time…