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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.
Claim Payment—When Due? Our homeowners insured (HO-3, 4/84 edition) suffered a theft loss over three months ago and has not yet received a check…
Direct Primary Coverage under GKLL March 21, 2012 This is a garagekeepers coverage question. The insured has direct primary coverage. The insured changed…
Personal and advertising injury and the display of a body cast.
Med Pay Coverage under the PAP June 24, 2013 We have a named insured driver who has a prosthetic leg that was damaged in an auto accident. The prosthetic…
Completed Operations and Your Work Exclusion We insure a fertilizer dealer who also does some application of the fertilizer. The fertilizer dealer classification…
Notification and Question of Coverage under a D&O Claims-Made Policy June 17, 2013 We have a client that is a board member of a nonprofit organization.…
Leaking Pool Shifts Patio Blocks June 11, 2013 Insured called and reported water damage to air conditioner and patio blocks from the neighbor’s…
Employer as an Additional Insured June 12, 2013 Is the employer of the named insured on a personal auto policy automatically included as an additional…
June 12, 2013My question involves certificates of insurance. On the certificate, we are telling the certificate holder that he will be notified of…
Discusses abuse and molestation exclusion when 2 adults are involved.