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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 anticipated rental income and determination of rental value.
Workers Compensation — Voluntary Compensation Endorsement Do workers' compensation losses that fall under the voluntary compensation…
If an employee is injured on the job by a neutral force, is the injury covered by workers compensation?
Equitable Subrogation and Bad Faith Q As a primary carrier, we are always concerned about possible bad faith claims brought against us by our insureds;…
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…