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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.
Mobile Equipment Loaned to Insured An officer/employee of the insured corporation on occasion loans a trailer and riding lawnmower to the corporation…
Damage caused by mobile equipment.
Explains equipment as covered under the BAP.
Liquor Liability Exposure for Insured We are concerned about liquor liability exposure. The insured is an Amvets hall and it sells liquor at meetings…
Is there coverage under the CGL for testing for suspected exposure to illness?
Mural Not a Sign My question is in regard to the unendorsed CP 00 10 04 02. Signs are not defined in the form. In your experience, are murals painted…
Replacement Cost Coverage for Leased Equipment? Q We have a question pertaining to the leased property endorsement (CP 14 60 07 88) and the need for…
Glass Limitation—Apply to Plastics? Q We have a question about whether recovery for a vandalism loss to a plastic skylight in a commercial building…
Medical Payments under CGL Form — Tenants Covered? Q We have discovered that a number of our carriers consider tenants of an insured as completely…
Spoilage of Food Still a Consequential Loss Q Our insured's building and contents are insured under commercial property forms CP 00 10 04 02 (Building…