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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.
Sexual Molestation by a Masseuse February 20, 2017 The Insured is a Massage Center with a Commercial Package Policy, which includes Commercial General…
When Wrong Pesticide is Applied, No Exclusion Applies. February 13, 2017 Our insured is a pest control service. Their employee sprayed incorrect…
Debris Removal on a Dwelling Property 3 Form February 6, 2017 The Lloyds, London representative is telling me the debris removal extension on the DP3…
Discusses ensuing loss due to frost-heaves.
Zoning Changes won’t allow Original Structure to be Rebuilt January 23, 2017 I have a situation where we insure an apartment building, but due…
When there's a question of coverage, should a reservation of rights be issued?
Discusses coverage for fair rental value or additional living expenses.
Are nonadmitted carriers subject to laws surrounding valued policies?
Can a carrier decline coverage due to incorrect information on a company application that was signed by the insured? How much weight does an application…
The benefits and disadvantages of the actual loss sustained coverage.