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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.
Pollution Liability Coverage for Landowners Q Endorsement CG 24 15 10 01, the limited pollution liability extension endorsement, is available in most…
Occurrence as Defined under CGL Form Q My client is a property manager. A lead paint claim was paid under the client's policy in the amount of $375,000.…
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…