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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.
Insured Property or Insured Location The insured owns a two family /two story dwelling that is insured on an HO 03 04 91. The insured lived on the first…
Off-Premises Property of Insured Significant Other The named insured's significant other is listed as an additional insured on the AAIS HO 0003 01…
Damage To Trees, Shrubs, and Lawns Caused While Protecting Property Recently, North Dakota residents have experienced flooding. Some residents took…
Application of pair/set clause to wall sconces.
Golf Carts, Auto Policy, CGL Form In our town, a recent ordinance has been posted that has made golf carts street legal, within certain guidelines and…
Preservation of Property Additional Coverage and Policy Limits In the BP 00 03 06 07, under Section 1, Property, A. Coverage, 5. Additional Coverages,…
Deductible Application on the BOP Our insured has an ISO special form BOP (BP 00 02 06 89) on a 20-building apartment complex. The policy has a $1,000…
BOP Deductible Application under One Occurrence Our insured has a BOP policy, which covers some scheduled tools and equipment and some blanket tools…
Is hitting a dead animal comp or collision?
Questions permissive use and no-fault under the personal auto policy.