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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.
What is Forgery? Q I need some help with a Crime Protection claim involving forgery of applications and premium finance checks. Our client is a premium…
Stunting Activity Exclusion—Archived Article Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional…
Trees, Shrubs, and Plants Growing in the Ground Are Property Not Covered Our insured is a nursery operation whose business is that of growing…
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…
Appraisal Clause Does Not Determine Coverage There is language in the appraisal clause that states "If there is an appraisal, we will still retain our…
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…
Coverage Territory Does Not Include Europe Does the Business Income From Dependent Properties—Broad Form (CP 15 08 06 95) provide coverage for…
Replacement of Broken Tiles I have a broken tile claim where the home has the same tile throughout and the insured is requesting replacement of the…
Property Loaned to Insured Exclusion Our insured is an interior designer who utilizes loaned items to decorate model homes. Our insured was loaned…
Farm Coverage for Hazardous Material Our insured had a heating oil tank blown over during a windstorm requiring a haz mat clean up. The…