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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.
Does a BOP liability policy provide coverage for the claimant's legal fees as ordered by a local judge? Are legal fees specifically excluded by the…
Payment for Loss to Property of Others January 4, 2013 Our insured carries a CP 00 10 10 90 form and has a loss that involves property of…
Relative Must Be Resident in Order to Be Insured December 26, 2012 The following circumstances apply: • Our named insured is the owner of the building…
Are spouses covered under a BAP?
Unscheduled Trailer as Cause of Accident December 11, 2012 We issued the Business Auto Coverage Form, CA 00 01 10 01, with Symbols 7, 8, and 9 for liability…
False Pretense Loss Coverage in Question December 11, 2012 The insured is in the business of auto sales and is covered by a Garage Coverage Form, CA…
Intentional Act and the Expected or Intended Injury Exclusion December 11, 2012 Our insured is an automobile parts supplier, and the policy is a standard…
Resident Insured's Car Damaged by Named Insured December 11, 2012 A named insured's adult son currently resides with his mom. He has his own vehicle…
Product Loss Not Covered by Spoilage Endorsement December 10, 2012 The loss occurred as a result of Hurricane Isaac. The insured was making normal…
Loss of Ring in Vehicle Accident December 4, 2012 The insured is in an automobile accident in which the airbag deploys. She is making a claim for a…