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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.
Installation Floater and a Dispute over Covered Property Our question concerns a dispute as to whether wiring installed by our insured, an electrician…
Collapse of Ceiling Covered? The acoustical ceiling in our church kitchen collapsed. The building is insured on a CP 00 10 with CP 10 30 attached. As…
Carbon Monoxide Poisoning Covered? Our insured had some friends in his garage for a get-together. Because it was winter, they had a space heater going.…
Commingling of Funds by Brokers Q In reviewing the material, we see that some states allow agents to commingle agency and company monies; and others…
Collapse — Defective Materials or Methods Q A basement wall collapsed as a subcontractor, hired by my general contractor client, was back-filling.…
CGL Policy Expiration Time The CGL form clearly states that it is effective at 12:01 A.M. Standard Time. We don't see reference to the time of expiration.…
Consequential Loss Caused by Odor Covered A client who owns a refrigerated warehouse experienced a covered loss to the refrigerating equipment of one…
Bailees Coverage for Off-Premises Goods Q Our insured owns a commercial laundry business, but has no on-premises dry cleaning service. To accommodate…
Asbestos Lawsuit and the CGL Form Q I insure an installation contractor who has been pulled into an asbestos-related lawsuit. The widow of a man who…
Contractual Interference as Cause of Damage Q My insured owns a strip shopping center. He has a ground lease with a corporation that allows them to…