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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.
Employee Dishonesty — Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…
Workers Compensation for Employee on Break I have a question related to a CGL claim. The insured's employee left the building, and was walking to a…
Business Auto Policy and Out of State Loss Our insured has a business auto policy (BAP) with symbols 7, 8, and 9 for covered auto liability. The insured…
Pollution Attributed to Vandalism Q We recently had a claim where a covered auto (a fuel tanker-trailer) was damaged by vandals when they ran a piece…
Ocean Marine—In Rem Action Discussion Q Our new client is interested in buying proper insurance coverage for his business exposures. We have…
Owners and Contractors Protective—Coverage for Adjacent Land? Q My client is having a building constructed on property that he owns. A fence…
Consequential Injury Under a Truckers Coverage Form Q An employee of the insured operates the insured's tractor-trailer while performing duties related…
Med Pay under the Garage Coverage Form Our insured is an auto dealer. They were using a dealership owned vehicle to haul a nonowned trailer with a float…
Workers Compensation, Uninsured Motorist Coverage, and Subrogation Rights A former employee was allegedly injured in an auto accident a few years ago.…
PD Coverage under BAP For Insured on Out of Country Business Trip? We insure a business auto policy, and an insured rents a vehicle in his own name…