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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.
All-Terrain Vehicle Coverage under CGL Form? Q This question deals with a CGL policy purchased in an individual's name. The insured personally owns…
The “Sistership” Exclusion in the CGL Form October, 2007 Summary: This article explains the “sistership” exclusion found…
"Your Work" Exclusion and Roof Damage Q Our insured is a contractor specializing in home construction. Recently, he informed us that the owner of…
Risk Classification Change Affects Premium Rate Q Our CGL insured manufactures harrows. A harrow is a non-motorized piece of equipment that consists…
Pollution Claim Covered by Business Auto or CGL Form? Q We have a question about the pollution exclusion in the business auto policy. If, during the…
Funeral Directors Liability, Auto Accidents, and Damage to Bodies Our insured is a funeral director and has his business insured under a BOP with endorsement…
Medical Payments Coverage Under a BAP Q Our insured was covered under an ISO commercial auto policy that included auto medical payments coverage with…
Loading and Unloading an Insured Vehicle I have a question regarding the loading and unloading of an insured vehicle under the business auto policy.…
Tire Damage Due to Skidding Q We are asking about the issue of tires that are damaged as a result of an emergency stop. There was a subsequent rollover…
Towing Expenses after a Collision Loss Q Our insured had an auto accident in Florida and then had the truck transported to his company headquarters…