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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.
Property Manager Liable for Fire Damage? Our agency insures several property managers of condominium associations. The general liability policies for…
Leased Auto Covered as Owned Auto? Our insured has symbol 2, owned autos only, to describe the covered autos on his business auto policy. The question…
Railroad Protective Policy and Additional Insured Status If a contractor names a railroad as an additional insured under its CGL form, is there a need…
Business Auto Coverage for EmployeesMy client is an employer who owns no autos. However, he does have hired and nonowned auto coverages under the…
Our client has several buildings located in different parts of the country. One group of buildings had a flood loss last summer that damaged three…
Discusses drawees relative to credit card transactions.
Towing Charge for Covered Autos Our insured has a business auto policy (BAP) with symbols 7, 8, and 9 for covered auto designations. He borrowed a trailer…
Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…
Water Damage Covered due to Insured's Mistake? A customer of an insured car dealership received a recall notice from the manufacturer and took the notice…
Collision Between Two Owned Autos Our insured, who has a commercial auto policy using symbol 7 (specifically described autos), rear ended his wife's…