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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.
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…
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?
Inventory Loss Exclusion and Missing Property Q Recently I submitted a claim for an insured that operates a hospital. He carries insurance for his…
Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…
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…
Property Damage Issue under CGL Form Our insured is a rental equipment company. In this particular claim, it rented out an electricity generator that…
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…
My insured has claims-made pollution coverage for underground storage tanks. A leak in one of the tanks occurred in April, 1999. However, my insured…
Garagekeepers Coverage for a Stolen Auto Q Our insured is covered by a garagekeepers policy. He was conducting a state inspection on a car, performing…