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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.
Deductible Subrogation Question Q Our insureds sustained a large fire loss to their restaurant approximately six years ago. The insurer paid close…
Microbes in Waste Treatment Plant as Covered Property? Q Our client is a food processor who operates a waste water treatment facility at one of its…
Insurer Not Required to Replace Damaged Property with Comparable Property Our insured's 1996 Palfinger Crane Model PK10500 was declared a total loss.…
Damage to pipes caused by testing required by ordinance.
Mold Damage Claim Covered by CGL Form? Will the CGL form respond to a mold/fungi bodily injury claim? Our insured has discovered mold on one side of…
An insured experienced a sewer backup and called a plumber. The plumber ran a camera down the drain and found that the pipe had rusted and collapsed.…
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…
Examines whether the expense of digging up a water pipe leading from the building to the street to effect repair of the pipe where leaking and damaging the building is covered under the commercial property policy.
Our commercial property insured is a condominium complex. When we applied for the policy, we requested a blanket limit on the buildings of $1.3 million.…
Cross Liability, Additional Insureds,and the Separation of Insureds Q We have a question about cross liability, additional insureds, and the separation…