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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.
Fire as a Result of Burglary Covered? Q We insure a warehouse with the CP 00 10 04 02. The policy is endorsed with form CP 12 11 10 00, burglary and…
Computer Virus as Vandalism Q Computer equipment belonging to our commercial property insured was recently damaged by the "Monkey B Virus." The equipment…
Storms Over a Period of Time Not Considered One Occurrence We have a question concerning the application of deductibles under a Builders Risk form..…
Builders Risk—Need for onRenovations to Existing Building? Q When, if at any time, would a builders risk policy need to be written in conjunction…
Builders Risk Coverage and the Meaning of "Completion" Most builders risk policies have a condition, among others, that states coverage will end when…
Computer Tapes Covered as Commercial Property? Q We insure a small business under a commercial property policy, form CP 00 10 04 02, with special…
Limited Partnerships Under a CGL Form Q One of our clients has questioned us on who is an insured under the CGL form with reference to limited partnerships.…
Keep Full Agreements and the CGL Form Q Our insured is in the business of retail fuel oil supply. He sells the fuel oil and also delivers it to the…
Surface Water Overflow Not Covered My insured has an endorsement for back up of sewer or drain water damage. The endorsement reads "The following additional…
Stolen Credit Card Transaction is Uninsurable Business Risk Our insured is a merchant with commercial crime coverage under CR 00 20 07 02, Commercial…