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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.
Med Pay Coverage for Students Q What is the eligibility status of Motorcycle Safety School (MSS) participants for medical payments under the CGL policy,…
Mobile Equipment Exclusion Applicable to 4-Wheeler Rally? Our insured is the chamber of commerce for a small rural community. The insured is sponsoring…
Occurrence or PD When Customer Credit Card is Stolen by Employee? Our insured's employee stole a credit card belonging to a customer. The employee…
Loading or Unloading Coverage Gap Under the CGL Form Q It has come to our attention that many of our clients may have less coverage than they think…
Explains equipment as covered under the BAP.
Mobile Equipment Loaned to Insured An officer/employee of the insured corporation on occasion loans a trailer and riding lawnmower to the corporation…
Obscenity Allegations and the CGL Form Q Is it possible that a claim arising from obscenity could be covered by a commercial general liability policy?…
Mobile Equipment or Auto Under CGL? Our insured is a road builder. He uses a water truck in his work to dampen the terrain to keep the dust down during…
Loading and Unloading Coverage Question Our insured was delivering a desk at the loading dock of the customer when the shipping container which was…
Liquor Liability Exposure for Insured We are concerned about liquor liability exposure. The insured is an Amvets hall and it sells liquor at meetings…