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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.
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.…
CGL Policy Expiration Time The CGL form clearly states that it is effective at 12:01 A.M. Standard Time. We don't see reference to the time of expiration.…
Consequential Loss Caused by Odor Covered A client who owns a refrigerated warehouse experienced a covered loss to the refrigerating equipment of one…
Contractual Interference as Cause of Damage Q My insured owns a strip shopping center. He has a ground lease with a corporation that allows them to…