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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.
November 7, 2010The insured signed a merchant service agreement with ABC, Inc. for check verification and check conversion services.A processing…
Extended Period Provision and Coinsurance November 29, 2010 Is the extended period calculation subject to the coinsurance provision of a commercial…
A question of determining value of a claim when it takes a long time to settle and values change.
Pollution Liability and Product Damage November 15, 2010 The insured sold a container with bleach to customer. While the customer was transporting the…
Is a tripped breaker a covered cause of loss for business income?
Cohabitating Fiancé November 1, 2010 We denied a burglary claim due to the stolen property belonging to a roomer/tenant and the covered property…
Unloading of Vehicle is not Direct Physical Loss The insured has a Business Auto Policy with a tractor and a trailer listed on it. The tractor has symbol…
Loss of Value Is Not Direct Physical Damage October 18, 2010 Our insured is an antique dealer with a special businessowners form. He purchased two…
Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…
October 13, 2010 Breaking In and Exiting Damage Covered; Other Theft-Related Damage Not Covered Our insured suffered a theft of copper piping and water…