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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.
Long Term Rental a Non-Owned Auto under PAP? I am hoping you could help me interpret the policy language regarding non-owned autos on the personal lines…
First Aid Defined I have a question regarding the first aid expense, number 2 under additional coverages on the ISO HO 00 03 10 00. What constitutes…
Total Pollution Exclusion Endorsement Question There is an exclusionary endorsement, CG 21 98, that applies to pollution. What is the intent of this…
Water Damage from Broken Aquarium Covered by Homeowner’s Policy? We provide coverage for our insured under a homeowners policy, AAIS Form 3 Ed…
Employee Dishonesty Loss Does Not Trigger Coverage for Cost to Restore or Replace Valuable Papers We have a client that suffered an employee dishonesty…
Coverage for Damage to Insured Vehicle by Impact with Human? I am trying to find clarification on whether or not damage caused by impact with a human…
Drug Use and Intentional Acts Under the standard ISO Homeowner policy (HO 3), we have a 17 yr old insured that caused damage to the neighbor's property…
Reasonable Repairs and Asbestos Removal Our insured's home suffered water damage as a result of the main water line breaking just outside the home.…
Med Pay Question Regarding Injured Claimant Does the medical payments coverage under the CGL form apply to someone who faints and falls to the floor…
Unattached Sign Excluded from Coverage The form is CP 00 10 10 00. The issue is a fifteen to twenty foot permanent sign that is embedded in concrete…