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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.
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…
Bailee's Coverage—Processing or Work upon Exclusion Q We have written a commercial laundry account for many years. In 1986 they ruined some…
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…
Bailees Coverage for Off-Premises Goods Q Our insured owns a commercial laundry business, but has no on-premises dry cleaning service. To accommodate…
Asbestos Lawsuit and the CGL Form Q I insure an installation contractor who has been pulled into an asbestos-related lawsuit. The widow of a man who…
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…
Garage Policy—"Any Auto"Includes Semitrailer Q A garage policy insured was using one of his trucks to pull a customer's semitrailer from one…
Businessowners — Books as Valuable Papers? Q One of our businessowners insureds recently filed a claim for valuable papers and records coverage…