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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.
Employers Liability Exclusion under CGL Form In a claim where a doctor is suing a hospital because the latter negligently suspended the doctor's privileges…
Anthrax Testing and Insurance Coverage Q Our client received a sealed container from abroad and when it was opened a huge puff of white powder blew…
Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…
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…