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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.
"Your Work" Exclusionunder CGL Form Q A contractor was hired to power wash a house. In doing so, the exterior of the house was damaged. The commercial…
Volunteer Workers and the CGL Form Q We have had many inquiries lately regarding the status of volunteers under the CGL form. We would like to have…
Products Liability and CG 24 07 01 96 Q Does endorsement [IDL:CG 24 07 01 96^CG 24 07 01 96^CG 24 07 01 96] — Products/Completed Operations…
Products and Completed OperationsCoverage in Dispute Q Our insured sanded and refinished a large pine floor. Months later, the floor began to split…
Owners, Lessors or Contractors Coverage—Additional Insured—Ongoing Operations Q I have a question concerning the 10-93 edition of the…
Watercraft Exclusion on the CGL Form Q We have a coverage question concerning exclusion g. on the CGL form. The situation is that our insured is a…
Professional Liability Exposures under the CGL Form Q An insured of ours operates a septic tank cleaning company. In addition, he does dye tests for…
Volunteers and Club Members-- Insured Underthe CGL Forms? Recently, we have had a number of inquiries regarding the "who is an insured" section of…
Separation of Insureds Under a CGL Form Q Under the CGL form, some of the exclusions refer to "any insured". A discussion has arisen in our office…
Personal Injury Coverage Gap Q It has come to our attention that there may be a distinct problem with the definition of "personal injury" under the…