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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.
Discusses coverage for equipment such as running boards, gps, and other additional equipment that may be added to a vehicle.
Boat Policy and Lack of Reasonable Care in Maintenance Exclusion We insure a boat on a boat policy with hull coverage. The insured inadvertently drained…
Business Auto Policy and Property Damage ClaimOur insured owns a pizza store and the operations include a delivery service. The insured has a business…
Fraudulent Acts Covered by Professional Liability Insurance? One of the exclusions under a lawyers professional liability policy applies to any claim…
Business Auto and Claimant’s Lost Wages A claim has been presented against our company and our insured for loss of use and lost wages by the…
Boiler and Machinery Damage by Testing Excluded? The current boiler and machinery policy has an exclusion pertaining to damage to covered equipment…
Garagekeepers Coverage on a Direct Excess Basis Q We have a question dealing with garagekeepers legal liability coverage written on a direct excess…
Period of Indemnity and Period of Restoration Can you explain the difference between the period of indemnity and the period of restoration? California…
Garagekeepers Symbol 30 Requires Employee Payment for Services We have a client that owns a restaurant with valet parking service. He wants to insure…
Performance Bond Guarantees Completion of Work Our client, a municipality, has contracted with a builder to construct a service center. At the time…