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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.
When an employer borrows an employees vehicle and there is no collision on the commercial auto policy, is there coverage elsewhere on the policy?
If employer has no cars but employees rent cars for business use, are they covered under hired/nonowned coverage?
When an insured with a $10,000 is struck by an uninsured motorist, does the deductible apply, or does UM cover it?
Discusses how a car is "borrowed".
Is the mileage that thieves put on a car they stole diminished value?
Other Structures Coverage May 7, 2018 Our insured has a CP-10 Commercial Package. They have an unscheduled structure that the agent believed to…
Employee or Independent Contractor? In California, the Burden of Proof is now on the Employer May 14, 2018 On Monday April 30th, 2018, the…
Debris Removal, Demolition and Resulting Hole The insured suffered a total loss to their residence. The insurance company has agreed to cover the cost…
Debris Removal—Volunteer Expense The insured sustained a total loss on his dwelling covered under an AAIS homeowners policy. The insurance company…
Collectibles as Business Property A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an…