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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.
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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.
Volunteers and Club Members-- Insured Underthe CGL Forms? Recently, we have had a number of inquiries regarding the "who is an insured" section of…
Personal Injury Coverage Gap Q It has come to our attention that there may be a distinct problem with the definition of "personal injury" under the…
Sexual Molestation Coverage Under CGL Form? Q As a risk manager for a public entity, I always require that individuals or groups that use my employer's…
Successor Liability for Actionsof Predecessor Company Q Our insured has purchased a company that manufactured machine tool products. A question has…
Pollutant Defined Q The pollution exclusion on the commercial general liability (CGL) coverage form can be very extensive, partly because the definition…
Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. The…
Discusses sexual abuse and duty to defend.
When soot damages the neighbor's building, and is a malfunctioning boiler a hostile fire?
Recovery for Loss of Valuable Papers May Be Applied to Computerized System We are working on a total loss claim for a hot tub wholesaler that has over…
Is Betterment Deduction Allowed in Property Damage Claim? Our insured has a business auto policy and a claim arose recently wherein an employee backed…