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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.
Auto Exclusion, the CGL Form, and Auto Repair This claim situation occurred when our insured, an auto repair shop, installed an incorrect oil filter…
Off-Premises Coverage and "Owned, Leased or Operated" Exclusion Q Our commercial property policy (CP 00 10) insured went to a customer's location…
Computer Virus as a Vandalism Loss? Q Our client's computer was vandalized by installation of the Michelangelo virus that destroyed all his data on…
Sharks Teeth Considered Fine Arts I am handling a burglary claim where our insured is claiming over $300,000 in stolen sharks teeth. He has a Jimmy…
Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…
Deductible Subrogation Question Q Our insureds sustained a large fire loss to their restaurant approximately six years ago. The insurer paid close…
Cross Liability, Additional Insureds,and the Separation of Insureds Q We have a question about cross liability, additional insureds, and the separation…
Employee an Insured Under CGL Form? Q Our insured is a high rise residential condominium association and is covered by a commercial general liability…
Replacement Coverage for Awnings Q Our question concerns replacement cost coverage for awnings. In the ISO commercial property form CP 00 10 04 02…
Sinkhole Collapse under Commercial Property Form Q Our insured's building is covered by the building and personal property form (CP 00 10 04 02),…