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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.
Microbes in Waste Treatment Plant as Covered Property? Q Our client is a food processor who operates a waste water treatment facility at one of its…
Intentional Injury and Coverage under the CGL Form Our insured has a standard CGL form. The insured was recently sued and the allegations in the complaint…
Mold Damage Claim Covered by CGL Form? Will the CGL form respond to a mold/fungi bodily injury claim? Our insured has discovered mold on one side of…
Employers Liability Exclusion under CGL Form In a claim where a doctor is suing a hospital because the latter negligently suspended the doctor's privileges…
Anthrax Testing and Insurance Coverage Q Our client received a sealed container from abroad and when it was opened a huge puff of white powder blew…
Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…
Employee Lawsuit Covered by CGL Form or WC Policy? Q An employee of our insured was injured on the job and received workers compensation benefits.…
Loading of Truck Causes Claims Conflict Between BAP and CGL Forms Q Our insured is a real estate developer and general contractor. He hired an independent…
Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…
Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…