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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.
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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.
Does Liquor Liability Coverage require an insured to have a license to sell alcohol?
"Damage to Your Product" CGLExclusion and Furnace Installation Q Our insured, an HVAC contractor, installed a furnace in a home. A coil within the…
Fire Legal Liability under the CGL Form Our insured employs medical personnel on a temporary traveling basis; that is, if a nurse or other medical professional…
How insurable interest affects ability to add mortgagee for business income coverage.
EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…
Boiler Damage — Condition or Event Inside? Q Our insured, covered on the commercial property policy CP 10 30 10 90, suffered the following loss.…
Discusses whether a landlord's furnishings should be covered as part of the building coverage.
Spoilage of Food Still a Consequential Loss Q Our insured's building and contents are insured under commercial property forms CP 00 10 04 02 (Building…
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…
Mural Not a Sign My question is in regard to the unendorsed CP 00 10 04 02. Signs are not defined in the form. In your experience, are murals painted…