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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.
Intentional Injury and Coverage under the CGL Form Our insured has a standard CGL form. The insured was recently sued and the allegations in the complaint…
Broadcasting Activities — Personal and Advertising Injury Q We have a question concerning the ISO commercial general liability policy's coverage…
"Fine Arts" Does Not Include Wall Plaques<br>A fire totally destroyed a VFW post's building and personal property, for which the insured was paid the…
Can an insurer contest the extent to which the insured builds a newer and better structure?
Damage to Property Exclusionand Carpet Cleaning Q Our insured, a carpet-cleaning company, carries a standard ISO CGL policy (1998 edition). An employee…
Are personal tools stolen from a company vehicle be covered at actual cash value?
Discusses friendly fire, hostile fire, and care, custody and control.
Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…
Debris Removal Coverageand Coinsurance Provision Q I'm adjusting a loss on a property that is insured on an ISO commercial property form CP…
Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…