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.

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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.


July 12, 2021

An insured put up with insufficient airflow for several years when a regular inspection would have caught the problem much earlier. But will there be coverage for this insured's loss?

July 05, 2021

An insured's GoFundMe account is such that it could offset the insured's amount of business income loss. But should it be used for that purpose?

June 28, 2021

When an insured has 2 different policies, can he pick and choose where to file a claim in order to pay the lowest deductible?

This questions whether injury from bed bugs is a covered bodily injury under the insured's AAIS policy.

As sightings become more frequent and are given some credence in the news, people may begin to search out coverage options for possible injury or damage from the extraterrestrial.

June 07, 2021

While collapse seems like straightforward coverage, what exactly is a collapse is often more complicated.

May 31, 2021

Additional living expenses is broad coverage; however, the premises must be unfit to live in in order for coverage to be available.

May 24, 2021

When a contractor has removed the snow and left the premises, but someone falls later, who is responsible for the injuries?

This Q&A deals with state required expenses in connection with a covered accident and whether they are covered under the BAP.

May 10, 2021

Certain legal products require the grower/seller to have a license in order to grow, store and sell the product. Once an individual's license expires, that individual may find themselves in violation of state laws, and may experience serious consequences.