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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.
Replacement Coverage for Awnings Q Our question concerns replacement cost coverage for awnings. In the ISO commercial property form CP 00 10 04 02…
Sinkhole Collapse under Commercial Property Form Q Our insured's building is covered by the building and personal property form (CP 00 10 04 02),…
Insurer Not Required to Replace Damaged Property with Comparable Property Our insured's 1996 Palfinger Crane Model PK10500 was declared a total loss.…
Sole Proprietor Is Named Insured under CGL Policy A woman who is the sole proprietor of a cleaning business broke artwork she was cleaning in a client's…
Replacement Cost on New Site Q One of our insureds owns a building that was destroyed by fire. Instead of rebuilding it in the exact same location,…
Installation Floater—Subcontractor's Vandalism Loss Q Our question concerns a dispute as to whether wiring installed by our insured, an…
Fire Legal Liability under the CGL Form Our insured employs medical personnel on a temporary traveling basis; that is, if a nurse or other medical professional…
Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…
Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…
Debris Removal Coverageand Coinsurance Provision Q I’m adjusting a loss on a property that is insured on an ISO commercial property form CP…