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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.
Newly Acquired Location Q We insure a risk that was recently hit by a tornado. After looking into the claim, we found that the insured had rented…
Business Auto Coverage for Rented Vehicle Our insured has symbol 7 on his business auto policy (BAP) for both collision and comprehensive coverages.…
Jones Act Coverage Neededby Company Owner? Q I insure a boat manufacturer. The owner of the company occasionally—perhaps two or three times…
Employee Dishonesty—Inventory Computation Exclusion Q I am working with an employee dishonesty claim, with form CR 00 10 10 90. The facts are…
Residual Market WorkersCompensation Coverage Question Q A question has come up in our office regarding the residual market limited other states insurance…
Flood—Protecting Undamaged Property during Repairs Q Our client owns a strip mall which was damaged by a flood. He was insured through the National…
Collision Damage due to Cargo Shift? Q I'm handling a claim in which cargo was being transported by a tractor-trailer. The cargo in the trailer shifted…
Professional Liability—Fraudulent Acts— Actual versus Constructive Fraud Q One of the exclusions under the lawyers professional liability…
Peculiar Risk Doctrine Q One of the coverages that I have recently decided to provide for my clients in California is workers compensation. Reading…
Boat Dealer's Coverage under Marina Operators Form Q Our insured operates a boat dealership and marina. Coverage is under a Marina Operators form…