A long time ago (1982), I walked into the National Underwriter Co. offices on Fourth Street in Cincinnati and, having heard that the FC&S Bulletins had a staff writer position open, applied. Eugene F. Wolters, editor of the Bulletins, gave me a letter to answer from an FC&S subscriber and a copy of the then-current ISO garage-keeper policy and pointed me to the department's small insurance law library.

The letter had something to do with the “trick and device” exclusion. It was my introduction to the Q&A section, from which this column, and so much other content, is derived — probably the biggest service that the FC&S experts provide. I guess I got it right and expressed it clearly, because I got the job.

Here at the beginning of a New Year (can you believe it?!), in tribute to both Eugene F. Wolters, my old and great boss, and to the Q&A section itself, let's try a little Q&A test. I'm going to toss out a few subscriber questions, just as we got them via e-mail, and you can do the policy analysis to determine the coverage situation. Imagine that you are being given a writing and policy knowledge test as part of the interviewing process for an FC&S analyst position. Who knows, maybe you are, so leave a phone number.