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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.
Professional Liability Coverage versus General Liability Coverage April 22, 2013 A lawsuit is filed in New Jersey, Atlantic County. One of the allegations…
Professional Liability versus General Liability Our insured is a dentist. He has a general liability policy with no professional services endorsement.…
Effect of Vacancy Clause on Theft Claim April 15, 2013 Our insured owns a large free standing office/warehouse building. The tenant…
Discusses boarding pets when the property is damaged.
Discusses the requirements for civil authority action to be a covered business income loss.
Answers concerns about whether insured's business personal property should be combined under one limit with business personal property of others on a commercial property policy.
Discusses the utility service exclusion and its application in a claim for extra expense coverage.
Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…
Withheld Depreciation on a Per Trade Basis March 25, 2013 I am involved in a hail damage property claim insured by policy form BP 00 02…
Loss of Use Claim March 18, 2013 I have a general question with regard to a claim involving damage to the work/work product of the insured and the claim…