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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.
Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…
Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…
What happens when fire damages a building and the rest is ordered to be demolished.
Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…
General Liability Coverage at Designated Premises CG 21 44, limitation of coverage to designated premises or projects, is an endorsement to the CGL…
Glass Loss Deductible Application Q How is the deductible applied to a glass loss that is covered under a special causes of loss form in the ISO commercial…
CGL Coverage for Alleged Theft by Employee We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…
Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…
Is a contractor error a cause of loss?
Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…