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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.
Stunting Activity Exclusion—Archived Article Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional…
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.
What happens when income loss is due to storm without damage.
Coverage Territory Does Not Include Europe Does the Business Income From Dependent Properties—Broad Form (CP 15 08 06 95) provide coverage for…
“Your Work” and “Your Product” Exclusions This question concerns ISO form CG 00 01 10 01; exclusions for Property Damage arising…
Garagekeepers Coverage on a Direct Excess Basis Q We have a question dealing with garagekeepers legal liability coverage written on a direct excess…
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…
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…
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…
Artificially Generated Electrical Current Peril I am interested in your analysis of the Sudden and Accidental Damage from Artificially Generated…