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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.
Questions how the CGL would respond in event insured hires musical entertainment and invites guests.
When do home health aids become dishonest employees?
The insured moved an ex-employee's car with a forklift. The car was damaged. Does the care, custody, or control exclusion apply to the PD claim?
Workers Compensation and the "Going and Coming" Rule
Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…
Property Damage Issue under CGL Form Our insured is a rental equipment company. In this particular claim, it rented out an electricity generator that…
Loading and Unloading Issue Our insured received a delivery and sent two employees out to unload the vehicle; this vehicle is not owned by or rented…
Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…
Pollutant Definition under CGL Form Q The pollution exclusion on the commercial general liability (CGL) coverage form can be very extensive, partly…
Garagekeepers Maximum Deductible? Q We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per…