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.

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