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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.
Railroad Protective Liability Pollution Exclusion The railroad protective liability policy has an endorsement, CG 28 31, that pertains to pollution…
Property Damage Caused by Insured's Work The claimant in this instance hired our insured to replace the metal cover on the top of a wheelchair lift…
Parking Lot Coverage with Commercial Property Form February 4, 2013 We have an insured that is a church, and it has had several occurrences of vandalism…
Newly Acquired Auto Involved in Auto Accident January 28, 2013 Insured went to purchase a vehicle on 11/28/12. He made a deal with the dealer and traded…
Lost Income Claim under BOP January 21, 2013 Our client is a tenant insured with a Businessowners form. There was a problem with broken sewage pipes…
Materials Held for Sale January 9, 2013 We are handling a theft claim under a CP 00 10 04 02 and CP 10 30 04 02. The insured is a large commercial roofing…
Replacement Cost Contractual Obligations January 9, 2013 Under a replacement cost contract on a commercial insurance policy, is the insurer’s…
Trailer Covered as Business Personal Property or Storage Shed? January 9, 2013 Our insured's policy excludes trailers as business personal property.…
Day Laborer “Employee” Under Temp Agency’s CGL Policy? This loss occurred in Texas . The insured provides temporary staffing. The…
I am handling a claim for the insured on an open perils homeowners policy with an endorsement that covers code upgrade/enforcement. The covered peril…