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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.
Are underground sprinklers covered on the commercial property policy?
Discusses whether items in a locked vehicle are in the insured's care, custody or control.
Beating a Result of Riot or Civil Commotion? We have a commercial fire policy on a rental unit with named perils coverage that includes riot or civil…
During replacement of the roof water enters and damages the interior of the building.
Loading and Unloading Q The verb "to accept" figures importantly in both business auto and commercial general liability forms in the context of the…
Covered Auto Designation Symbol Question If a business owner mistakenly deletes a vehicle during the policy year and later in the year has an accident…
Property Damage to Rented Premises The CGL form allows coverage for property damage to premises rented to the named insured for a period of seven or…
Stunting Activity Exclusion Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional activities. Injury…
Products/Completed Operations Excluded by Endorsement? My question is in regard to the exclusion for designated work endorsement, CG 21 34 01 87. The…
Products/Completed Operation Hazard Redefined Q My insured is a community association. The association operates a restaurant in its club house where…