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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.
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…
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…
Ordinance or Law Coverage—Need for Q We are insuring the owner of a new multistory construction project. Would we have a potential coverage…
Leasehold Interest Coverage Q I have an insured who has a lease totally silent on both continuing rents and cancellation of the lease. The leasehold…
Carpet Cleaning Damage Covered? Our insured was hired to clean carpeting. While moving the furniture back into place, the bed snagged the carpeting…
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…
Fire as a Result of Burglary Covered? Q We insure a warehouse with the CP 00 10 04 02. The policy is endorsed with form CP 12 11 10 00, burglary and…
Computer Virus as Vandalism Q Computer equipment belonging to our commercial property insured was recently damaged by the "Monkey B Virus." The equipment…