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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.
Premises — Meaning of Q The businessowners policy covers business personal property including property in the open within hundred feet of the…
Trailer Coverage under the BAP I have a question about the business auto policy. The policy declares that it covers trailers with a load capacity of…
Tire Damage Exclusion Q The business auto coverage form has an exclusion that reads 'we will not pay for loss caused by or resulting from any of the…
Items in a Locked, Unattended Vehicle May Be Considered in the Insured's Care, Custody or Control An insured contractor parked his truck at a friend's…
Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…
Vehicular Coverage under CGL Form We are under the impression that unlicensed, off-road trucks are no longer covered by the commercial general liability…
Property Damage Claim and Tangible Property Requirement We have an insured that installed carpet for a hotel. After the installation was complete, the…
Snowplowing Claims and the CGL Form Does the CGL form provide completed operations coverage for snowplowing claims? I always thought that there was…
Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…
Snowplow as Equipment under Business Auto Policy Q If an insured has a business auto policy and owns a truck that can be equipped with a snowplow,…