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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.
"Your Work" Exclusionunder CGL Form Q A contractor was hired to power wash a house. In doing so, the exterior of the house was damaged. The commercial…
Separation of Insureds Under a CGL Form Q Under the CGL form, some of the exclusions refer to "any insured". A discussion has arisen in our office…
Owners, Lessors or Contractors Coverage—Additional Insured—Ongoing Operations Q I have a question concerning the 10-93 edition of the…
Termite Inspections CoveredUnder CGL Form? Q Our insured owns a termite inspection service. One year ago, our insured inspected a home for some prospective…
Professional Liability Exposures under the CGL Form Q An insured of ours operates a septic tank cleaning company. In addition, he does dye tests for…
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…