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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.
Coverage Territory under CGL Form Does a location have to be listed on the declarations page of a commercial package policy in order for the general…
Certificates of Insurance and Conflicting Policy Language Q We have a question about certificates of insurance. Our insured was named as an additional…
Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…
Ordinance or Law Coverage—Need for Q We are insuring the owner of a new multistory construction project. Would we have a potential coverage…
Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…
Damage to Property Stored away from the Premises Not a Separate Loss Under CP 00 10 the policy provides coverage for all direct loss to property moved…
Discusses exclusions for negligent acts in a builders risk policy.
Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…
Fixture Includes Lawn Tent? Q Our insured is a country club with a tent that is used for outdoor events, such as receptions, dances, etc. It has a…
Discusses when property is in transit.