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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.
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…
Installation Floater and a Dispute over Covered Property Our question concerns a dispute as to whether wiring installed by our insured, an electrician…
Are lost profits and lost sales "property damage" in a CGL policy?
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.…
Garagekeepers Coverage for Theft of Auto and Personal Possessions Our insured is a parking garage/valet operation. Last month, a valet attendant parked…
Consequential Loss Caused by Odor Covered A client who owns a refrigerated warehouse experienced a covered loss to the refrigerating equipment of one…
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…
Water Damage Covered under Inland Marine Form? Q Our client, a manufacturer, is covered under an independently filed inland marine form. That form…
Questions how the CGL would respond in event insured hires musical entertainment and invites guests.
Collapse — Defective Materials or Methods Q A basement wall collapsed as a subcontractor, hired by my general contractor client, was back-filling.…