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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.
Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…
Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…
First Aid Covered under CGL Form? Q Is there coverage under the standard commercial general liability coverage form if an employee performs first…
Learned Intermediary Doctrine and the CGL Form Q We are preparing a risk management program for a potential client, a manufacturer of medical devices.…
Builders Risk—Value of theBuilding on the Completion Date Q The builders risk coverage form (CP 00 20 04 02) has what amounts to a 100 percent…
Exhibitions and Off-Premises Loss Q I have a commercial property client covered under the CP 00 10 04 02 policy who had a 24' box trailer stolen off…
Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…
Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…
Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…
Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…