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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.
Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…
Discusses costs for additional employee pay when business was not suspended.
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…
Additional Insureds as Claimants Q When we insure clubs for liability, we always add the Additional Insured—Club Members endorsement (CG 20…
Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…
Primary Coverage v. Excess Coverage under a PAP We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…
Cancellation of Policy Effective to Block Claim? A personal auto policy holder decides to withhold notice of a claim because he feels that an outstanding…
Newly Acquired Vehicle Coverage Standard language in most auto policies includes a provision for notification to the company of a newly acquired vehicle.…
Limited Liability Company Status as the InsuredA new insured is a limited liability company. The insured has the following risk exposures: commercial…
Rental Car Liability Coverage Q Our insured rented a car at an airport recently and indicated on the rental form that he would be the only driver.…