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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.
Loading and Unloading Q The verb "to accept" figures importantly in both business auto and commercial general liability forms in the context of the…
Covered Auto Designation Symbol Question If a business owner mistakenly deletes a vehicle during the policy year and later in the year has an accident…
Property Damage to Rented Premises The CGL form allows coverage for property damage to premises rented to the named insured for a period of seven or…
Volunteer Workers and the CGL Form Q We have had many inquiries lately regarding the status of volunteers under the CGL form. We would like to have…
Products Liability and CG 24 07 01 96 Q Does endorsement [IDL:CG 24 07 01 96^CG 24 07 01 96^CG 24 07 01 96] — Products/Completed Operations…
Products and Completed OperationsCoverage in Dispute Q Our insured sanded and refinished a large pine floor. Months later, the floor began to split…
Watercraft Exclusion on the CGL Form Q We have a coverage question concerning exclusion g. on the CGL form. The situation is that our insured is a…
Stunting Activity Exclusion Q We insure a non-profit organization that uses miniature vehicles in parades and other promotional activities. Injury…
Products/Completed Operations Excluded by Endorsement? My question is in regard to the exclusion for designated work endorsement, CG 21 34 01 87. The…
Products/Completed Operation Hazard Redefined Q My insured is a community association. The association operates a restaurant in its club house where…