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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.
Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…
Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…
Wind Loss and Golf Course Restoration Q Recently a heavy wind came through a local golf course and took down a 150 year old, seventy-five foot tree.…
Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…
In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…
Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…
Outdoor Signs and Outdoor Fixtures Covered as Commercial Property? The commercial property coverage form (CP 00 10) insures outdoor fixtures but excludes…
Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…
Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…
Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…