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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.
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'…
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…
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…
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.