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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, Uninsured Motorist Coverage, and Subrogation Rights A former employee was allegedly injured in an auto accident a few years ago.…
Relationship of Homeowners Bylaws to Ordinance and Law Coverage Our insured, an attorney, has questioned our response to not considering the homeowners…
Non-Resident Relative Coverage for Rental Vehicle Our insured's son has returned from Iraq and he will be stationed in Texas The son, with his parents'…
Deductible Charged in One Occurrence at Issue Our client has a BP 00 03 01 06 policy with a $500 policy deductible. The insured sustained a break-in…
Hotel Fire Damage and “Property in Your Control” Exclusion We have a claim where an employee of our insured started a fire in a hotel…
Farm Personal Property Defined We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal property. They…
Is Hurricane Katrina damage covered? This week's question is one that has not yet been asked in the wake of Hurricane Katrina, but, rather, one…
Professional Liability—Fraudulent Acts— Actual versus Constructive Fraud—Archived Article Q One of the exclusions under the lawyers…
A tenant with a BOP is unable to inhabit the premises because a hurricane took off the roof. Additionally, there was an off-premises power outage. The adjuster denies business income coverage.
Our insured carries employee dishonesty coverage under forms CR 00 01 and CR 10 00, both 10/90 editions. The insured owns and places video game machines…