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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.
Pollutant Defined Q The pollution exclusion on the commercial general liability (CGL) coverage form can be very extensive, partly because the definition…
Products/Completed Operation Hazard Redefined Q My insured is a community association. The association operates a restaurant in its club house where…
When soot damages the neighbor's building, and is a malfunctioning boiler a hostile fire?
Volunteers and Club Members-- Insured Underthe CGL Forms? Recently, we have had a number of inquiries regarding the "who is an insured" section of…
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…
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…
Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. 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…
Discusses sexual abuse and duty to defend.
"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…