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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.
Medical Payments under CGL Form — Tenants Covered? Q We have discovered that a number of our carriers consider tenants of an insured as completely…
Losses due to Noncompliance with ADA Requirements Excluded from Coverage under BP 04 46 The policy I am looking at is a BP 04 46 01 96 and contains…
"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…
Liquor Liability Coverage for Catering Clients Our insured has customers that will purchase liquor for private events. The customers do not purchase…
Co-employee Exclusion Under CGL Form Q I handle the insurance for a construction company that is negotiating a construction contract with a landowner.…
Roof cracks related to sudden temperature drop - is there coverage?
Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…
Anthrax Testing and Insurance Coverage Q Our client received a sealed container from abroad and when it was opened a huge puff of white powder blew…
Employee Lawsuit Covered by CGL Form or WC Policy? Q An employee of our insured was injured on the job and received workers compensation benefits.…
Credit Card Fraud andCommercial Property Coverage Q Our insured is an electronics dealer, and does considerable business over his Web site. Recently,…