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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.
Med Pay Question Regarding Injured Claimant Does the medical payments coverage under the CGL form apply to someone who faints and falls to the floor…
Unattached Sign Excluded from Coverage The form is CP 00 10 10 00. The issue is a fifteen to twenty foot permanent sign that is embedded in concrete…
Med Pay for Injured Bike Rider under HO’s Association’s Liability Policy? I am seeking a coverage opinion based on the following circumstances …
Impaired Property under CGL Form Q Our insured is a distributor of starch products to the food products industry. For several years, the insured has…
Loading and Unloading Claim Covered by Business Auto or CGL Form? Q Should the business auto or the CGL policy respond to a situation in which a fireplace,…
Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…
All-Terrain Vehicle Coverage under CGL Form? Q This question deals with a CGL policy purchased in an individual's name. The insured personally owns…
The “Sistership” Exclusion in the CGL Form October, 2007 Summary: This article explains the “sistership” exclusion found…
"Your Work" Exclusion and Roof Damage Q Our insured is a contractor specializing in home construction. Recently, he informed us that the owner of…
Risk Classification Change Affects Premium Rate Q Our CGL insured manufactures harrows. A harrow is a non-motorized piece of equipment that consists…