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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.
Snowplowing Claims and the CGL Form Does the CGL form provide completed operations coverage for snowplowing claims? I always thought that there was…
Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…
Items in a Locked, Unattended Vehicle May Be Considered in the Insured's Care, Custody or Control An insured contractor parked his truck at a friend's…
Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…
Vehicular Coverage under CGL Form We are under the impression that unlicensed, off-road trucks are no longer covered by the commercial general liability…
Property Damage Claim and Tangible Property Requirement We have an insured that installed carpet for a hotel. After the installation was complete, the…
Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…
Snowplow as Equipment under Business Auto Policy Q If an insured has a business auto policy and owns a truck that can be equipped with a snowplow,…
Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…
Family Member and Coverage under Trucker Form Q We have a circumstance where the child of an employee was killed in an accident while a passenger…