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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 who has care of a tenant's property in storage when it is mistakenly discarded by the insured.
Coverage Territory under a BOP Our insured has a businessowners policy (BOP) under which he insures his office. He often shares other office locations…
Discusses if a monetary deductible applies to business income coverage.
Does an overflowing washing machine constitute a flood?
Does accidental bumping of temperature dial which led to freezing of samples fall under the change in temperature exclusion?
Discusses whether providing personal information to a bill collection is a violation of privacy under the BOP policy.
What happens when income loss is due to storm without damage.
“Your Work” and “Your Product” Exclusions This question concerns ISO form CG 00 01 10 01; exclusions for Property Damage arising…
Emergency Medical Team Damages Doors to Rescue Insured We have an agency customer on an HO3 policy. He had suffered a medical condition and called 9-1-1…
When the neighbor's windows reflect badly on the insured.