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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 and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…
Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…
Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…
Cross Liability, Additional Insureds,and the Separation of Insureds Q We have a question about cross liability, additional insureds, and the separation…
Contractual Liability Coverage and the Meaning of "Execution" Q We have a question dealing with the contractual liability coverage offered under a…
Crop Spraying Claim and General Liability Coverage Q Our insured is a crop sprayer. He inadvertently mixed a fertilizer product with a weed killer.…
Broadcasting Activities — Personal and Advertising Injury Q We have a question concerning the ISO commercial general liability policy's coverage…
Installation Floater—Subcontractor's Vandalism Loss Q Our question concerns a dispute as to whether wiring installed by our insured, an…
Fire Legal Liability under the CGL Form Our insured employs medical personnel on a temporary traveling basis; that is, if a nurse or other medical professional…
Overhead Transmission Lines Definition Q Our insured has purchased coverage for off-premises power failure, which includes coverage for losses caused…