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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.
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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.
Med Pay for Off-Premises Consumption of Food Medical payments coverage is specifically excluded under the CGL form for food consumed off-premises. How…
Med Pay Coverage for Students Q What is the eligibility status of Motorcycle Safety School (MSS) participants for medical payments under the CGL policy,…
Loading and Unloading Coverage Question Our insured was delivering a desk at the loading dock of the customer when the shipping container which was…
Mobile Equipment Exclusion Applicable to 4-Wheeler Rally? Our insured is the chamber of commerce for a small rural community. The insured is sponsoring…
Loss of Use as Property Damage Q We insure an electrical company that was hired to do work in a vacant apartment of a large apartment building. The…
Mobile Equipment Coverage away from Insured Premises? This question concerns the use of mobile equipment, specifically a golf cart. The golf cart was…
Mobile Equipment Under the CGL Form Our insured is a road builder. He uses a water truck in his work to dampen the terrain to keep the dust…
Loading or Unloading Coverage Gap Under the CGL Form Q It has come to our attention that many of our clients may have less coverage than they think…
Obscenity Allegations and the CGL Form Q Is it possible that a claim arising from obscenity could be covered by a commercial general liability policy?…
Occurrence or PD When Customer Credit Card is Stolen by Employee? Our insured's employee stole a credit card belonging to a customer. The employee…