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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.
Medical Payments under CGL Form — Tenants Covered? Q We have discovered that a number of our carriers consider tenants of an insured as completely…
Spoilage of Food Still a Consequential Loss Q Our insured's building and contents are insured under commercial property forms CP 00 10 04 02 (Building…
Glass Loss Deductible Application Q How is the deductible applied to a glass loss that is covered under a special causes of loss form in the ISO commercial…
Sprinkler System Covered under Commercial Property Policy? Q Our insured has ISO commercial property form CP 00 10 10 91 with open perils causes of…
Damage to Property Stored away from the Premises Not a Separate Loss Under CP 00 10 the policy provides coverage for all direct loss to property moved…
Definitions in CGL Form Affect Coverage Our insured is being sued along with the health insurance provider by a hospital because the health insurance…
Impaired Property and the CGL Form Our insured is a plumbing and heating business. The insured has a CGL policy and had a claim recently that was denied…
Erroneous Delivery and the BAP Q Our insured is in the business of retail fuel oil supply. He sells the fuel oil and also delivers it to the customer's…
Inactive Business Entity Still Needs Insurance If a company's corporate status is legally and administratively shown as inactive, is there still a need…
Market Share Theory and Defective Products Q My client is a pharmaceutical laboratory and has purchased products liability coverage. The lab believes…