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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.
Rented or Occupied Property Covered under CGL Form? Q Our CGL insured is a small electronics manufacturing firm. Frequently, the owner, the named…
Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…
Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…
Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…
Certificates of Insurance and Conflicting Policy Language Q We have a question about certificates of insurance. Our insured was named as an additional…
Depreciation Amount Withheld by Insurer We are public adjusters, and we have a commercial insured with a CP 00 10 04 02. The insured had a covered total…
Replacement Building Covered by Commercial Property Form? Q An insured whose building was heavily damaged by fire has found another suitable structure…
Duty to Defend in Murder Case Coveredby Commercial General Liability Form? Q We have a rather unusual situation and are unsure how to proceed. Our…
Other Insurance Clauseand Excess Coverage Q Our insured operates a computer repair shop, and regularly has the property of his customers in his care,…
Business Risk Doctrine and the CGL Form Q Our insured is a contractor and we have tried to explain to him the coverages and exclusions that appear…