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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.
Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…
Spoilation of Evidence Claim and the CGL Form Q I read an article recently that mentioned spoilation of evidence and noted possible coverage issues…
Faulty Workmanship and Completed Operations My question has to do with faulty workmanship. I know that the CGL form covers the risk of defective work…
Completed Operations Coverage for Damaged Mirror Q We have a question involving coverage under a businessowners liability policy (BP 00 06 01 97).…
Volunteers Covered under CGL Form? Q I am the agent for the owner of a mobile home park. Some tenants of the park have volunteered to work at…
Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…
CGL Coverage for Alleged Theft by Employee We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…
Loss of Use Exposure under CGL Form? Q There is a gray area in terms of property in the care, custody, or control of a commercial general liability…
Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…
Glass Damage and the CGL Form Q Our insured is a window cleaner. One of his friendly competitors had a claim involving scratched windows which the…