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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.
Vendor Coverage for Distributor? Our insured is a small motel. It distributes shampoo and other toiletries to its guests as complimentary gifts. Does…
Property Damage Includes Theft of Cash? Our commercial liability policy defines property damage as physical injury to tangible property, including all…
Valuation v. Insurance under Transit Coverage Form Our insured owns a business and often has to ship packages. He has a transit coverage form that has…
Errors and Omissions Claim Under a Professional Liability Policy Q Our insured runs a travel agency. He booked two separate trips, back-to-back, for…
"Who is an Insured" Clause under the CGL Form The commercial general liability (CGL) coverage form is supposed to be comprehensive in nature in that…
Installation Floater and a Dispute over Covered Property Our question concerns a dispute as to whether wiring installed by our insured, an electrician…
Collapse of Ceiling Covered? The acoustical ceiling in our church kitchen collapsed. The building is insured on a CP 00 10 with CP 10 30 attached. As…
Carbon Monoxide Poisoning Covered? Our insured had some friends in his garage for a get-together. Because it was winter, they had a space heater going.…
Commingling of Funds by Brokers Q In reviewing the material, we see that some states allow agents to commingle agency and company monies; and others…
Collapse — Defective Materials or Methods Q A basement wall collapsed as a subcontractor, hired by my general contractor client, was back-filling.…