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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.
Water Damage Exclusion — Ice Damage Q We have a commercial property insured under the CP 00 10 04 02 policy with special causes of loss form…
Ordinance or Law Coverageon a Commercial Policy Q We insure a church on a commercial property policy (CP 00 10 04 02). Endorsed to that policy is…
Employers Liability Exclusion - How Does It Apply? Q To capsulize the facts, a seven months' pregnant woman was struck by a patient while working…
Crops Include Pumpkins under Property Form We have an insured who had a large number of pumpkins bought from farmers to sell during a fall festival.…
Debris Removal under Commercial Property Form Q We would like your opinion concerning coverage for debris removal under form CP 00 10 04 02. Our insured…
"Leased Employee" Defined Q Recently in our office we were discussing the businessowners liability coverage form, that states "employee" includes…
Debris Removal—Is Repair/Replacement Required? Q Our client has a small warehouse insured on a CP 00 10 04 02. The building was completely destroyed…
Emotional Distress Coverage under the CGL Form Is emotional distress covered by the CGL policy? Texas Subscriber In the majority of jurisdictions, the…
Mortgagee Subject to Policy Provisions If the insured is in violation of the policy's coinsurance clause and his loss settlement is being reduced as…
Care Custody and Control— Tenant's Property Q We would appreciate your comments on the following question concerning coverage under the commercial…