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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 Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…
Property Management Fees a Part of Covered Loss Q I am a public adjuster and many of my clients are represented by property management firms that…
Rented or Occupied Property Covered under CGL Form? Q Our CGL insured is a small electronics manufacturing firm. Frequently, the owner, the named…
Care, Custody, or Control Exclusion and Borrowed Vehicle Our insured borrowed a bobcat to remove snow from his parking lot. He ran the bobcat for nine…
Food Poisoning Claims and the BOP Q The definition of products/completed operations hazard on the 1997 ISO BOP liability form (BP 00 06 01 97) differs…
Golf Carts as Mobile Equipment A client of ours owns large apartment complexes in Florida. The insured owns golf carts which are used primarily…
Liquor Liability Coverage for Catering Clients Our insured has customers that will purchase liquor for private events. The customers do not purchase…
General Liability Coverage at Designated Premises CG 21 44, limitation of coverage to designated premises or projects, is an endorsement to the CGL…
Claims-Made Policies — on the Way Out? Q I have a question about the claims-made liability coverage forms. I always thought that a claims-made…
Damage to Property Exclusionand Carpet Cleaning Q Our insured, a carpet-cleaning company, carries a standard ISO CGL policy (1998 edition). An employee…