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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.
Co-employee Exclusion Under CGL Form Q I handle the insurance for a construction company that is negotiating a construction contract with a landowner.…
Reimbursement for Expenses to Prevent Further Loss Q We insure a nursing home on a CP 00 10 04 02 with CP 10 30 04 02 attached. Recently, it was hit…
Wear and Tear Exclusion Q Our insured was operating an insured tractor and the wiring harness from the ignition to the engine was rubbing against…
Credit Card Fraud andCommercial Property Coverage Q Our insured is an electronics dealer, and does considerable business over his Web site. Recently,…
Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…
"Glass" in Special Causes of Loss Form Q The Insurance Services Office special causes of loss form (CP 10 30 06 95) covering commercial property contains…
Completed Operations Coverage Under CGL Form? Q Our agency insures many bus companies, all of which are insured under ISO commercial general liability…
Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…
"Damage to Your Product" CGLExclusion and Furnace Installation Q Our insured, an HVAC contractor, installed a furnace in a home. A coil within the…
Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…