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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.
"Your Work" Exclusion and Roof Damage Q Our insured is a contractor specializing in home construction. Recently, he informed us that the owner of…
Risk Classification Change Affects Premium Rate Q Our CGL insured manufactures harrows. A harrow is a non-motorized piece of equipment that consists…
Loss of Income Coverage and Power Failure Q Our insured's policy provides loss of income coverage with a limit of $25,000 in any one "event" on loss…
Discusses battery acid mixing with gasoline and resultant damage.
Medical Payments Coverage Under a BAP Q Our insured was covered under an ISO commercial auto policy that included auto medical payments coverage with…
Loading and Unloading an Insured Vehicle I have a question regarding the loading and unloading of an insured vehicle under the business auto policy.…
Vehicle seizes after maintenance work had been performed.
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,…
Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…
Property Damage Claim Based on Loss of Use Our insured is a plumber who is certified to install and annually inspect a backflow prevention device; this…