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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.
Auto Accident Claims Covered by CGL Form? Our insured traded a vehicle that was part of their business to a dealer. Two years later, the employee of…
Auto Exclusion, the CGL Form, and Auto Repair This claim situation occurred when our insured, an auto repair shop, installed an incorrect oil filter…
Deductible - How to Apply Q We are a public adjusting firm. Our client is a hotel located on the Atlantic coast of North Carolina . The hotel is insured…
Water Damage and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…
Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…
Contractual Liability Coverage and the Meaning of "Execution" Q We have a question dealing with the contractual liability coverage offered under a…
Crop Spraying Claim and General Liability Coverage Q Our insured is a crop sprayer. He inadvertently mixed a fertilizer product with a weed killer.…
Broadcasting Activities — Personal and Advertising Injury Q We have a question concerning the ISO commercial general liability policy's coverage…
Damage to Property Exclusionand Carpet Cleaning Q Our insured, a carpet-cleaning company, carries a standard ISO CGL policy (1998 edition). An employee…
Overhead Transmission Lines Definition Q Our insured has purchased coverage for off-premises power failure, which includes coverage for losses caused…