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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.
"Leased Employee" Defined Q Recently in our office we were discussing the businessowners liability coverage form, that states "employee" includes…
Scaffolding Cost Covered by Commercial Property Form? Q We provide property insurance for a municipality, written with CP 10 30 04 02 special causes…
Debris Removal—Is Repair/Replacement Required? Q Our client has a small warehouse insured on a CP 00 10 04 02. The building was completely destroyed…
Emotional Distress Coverage under the CGL Form Is emotional distress covered by the CGL policy? Texas Subscriber In the majority of jurisdictions, the…
Mortgagee Subject to Policy Provisions If the insured is in violation of the policy's coinsurance clause and his loss settlement is being reduced as…
Care Custody and Control— Tenant's Property Q We would appreciate your comments on the following question concerning coverage under the commercial…
Mortgagee Clause Applied in Foreclosure Q We insure a large property valued at over a million dollars. The mortgagee foreclosed on the property. Shortly…
Coverage Territory of the CGL Form Q We know that the definition of coverage territory has been revised in the new CGL forms. Does the revision extend…
Off-Premises Coverage and "Owned, Leased or Operated" Exclusion Q Our commercial property policy (CP 00 10) insured went to a customer's location…
Computer Virus as a Vandalism Loss? Q Our client's computer was vandalized by installation of the Michelangelo virus that destroyed all his data on…