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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.
Workers Compensation, Personal Errand, and Medical Payments Q An employee of one of our insureds was to attend a business meeting on her employer's…
Your Product and Your Work Exclusions Our insured is the manufacturer of modular homes. Most of the home is manufactured at the factory and then…
Our insured is a contractor and two of its employees got into a fight at the job site; the foreman broke up the fight and fired both employees. Then,…
Care, Custody, or Control Exclusion and Truck Damage Q We insure a company that has symbol 1, any auto, on its business auto policy (BAP). This insured…
When an officer of the company loans lawnmowers and four-wheelers to the company, where is coverage found?
Stacking Of Coverage On Mobile Equipment Q We sometimes insure some scheduled mobile equipment on the business auto coverage form for liability and…
Pollution Cleanup and the CGL Form Q Our client operates an automotive supply business. His warehouse burned to the ground. Much of his merchandise…
Semitrailer Included as "Any Auto" in Garage Policy? Q A garage policy insured was using one of his trucks to pull a customer's semitrailer from one…
Semitrailer Included as "Any Auto" in Garage Policy? Q A garage policy insured was using one of his trucks to pull a customer's semitrailer from one…
Dealer unwittingly buys, and then sells, stolen car, and has to make good on it to the unfortunate buyer.