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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.
Employee Lawsuit Covered by CGL Form or WC Policy? Q An employee of our insured was injured on the job and received workers compensation benefits.…
Loading of Truck Causes Claims Conflict Between BAP and CGL Forms Q Our insured is a real estate developer and general contractor. He hired an independent…
Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…
Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…
Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…
Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…
Mobile Equipment Definition Includes Lunch Wagon? Q We have a question concerning the definition of "mobile equipment" as it appears on the commercial…
Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…
Spoilation of Evidence Claim and the CGL Form Q I read an article recently that mentioned spoilation of evidence and noted possible coverage issues…
Faulty Workmanship and Completed Operations My question has to do with faulty workmanship. I know that the CGL form covers the risk of defective work…