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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.
In performing engine work, insured leaves out oil plug and damages engine.
Faulty Work Exclusion under CGL Form Q I'm handling a claim in which a contractor was installing a window. He already had installed the actual window.…
Replacement Cost on New Site Q One of our insureds owns a building that was destroyed by fire. Instead of rebuilding it in the exact same location,…
Working through the revised coinsurance language on CP 00 10 04 02.
Glass Limitation—Apply to Plastics? Q We have a question about whether recovery for a vandalism loss to a plastic skylight in a commercial building…
Contractual Liability Coverage and the Meaning of "Execution" Q We have a question dealing with the contractual liability coverage offered under a…
Employee an Insured Under CGL Form? Q Our insured is a high rise residential condominium association and is covered by a commercial general liability…
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…
Crop Spraying Claim and General Liability Coverage Q Our insured is a crop sprayer. He inadvertently mixed a fertilizer product with a weed killer.…
Replacement Coverage for Awnings Q Our question concerns replacement cost coverage for awnings. In the ISO commercial property form CP 00 10 04 02…