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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.
Trees, Shrubs, and Plants Growing in the Ground Are Property Not Covered Our insured is a nursery operation whose business is that of growing…
Property Loaned to Insured Exclusion Our insured is an interior designer who utilizes loaned items to decorate model homes. Our insured was loaned…
Renting of Office in Home On an HO3 policy, the insured is living in the house but is renting out a room for office space. An exclusion says that…
Farm Coverage for Hazardous Material Our insured had a heating oil tank blown over during a windstorm requiring a haz mat clean up. The…
Signs Temporarily Unattached Excluded under Commercial Property Form Our insured had some signs that were permanently attached to the exterior walls…
Builders Risk Occupancy and Completion Issue Our insured had a completed value builders risk policy on a four-townhouse building under construction.…
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…