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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.
Pair or Set Clause Our insured threw away an old bathrobe, not realizing her diamond earrings were in the pocket. By the time she discovered they were…
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…
Cut-Through Endorsements Under Reinsurance Policies Q We are seeking reinsurance policies for several of our insureds. One of the insureds has asked…
Personal Comfort Doctrine Explained Q We know that workers compensation coverage is to apply when an employee is injured in the course of employment.…
Business Auto Policy and Property Damage ClaimOur insured owns a pizza store and the operations include a delivery service. The insured has a business…
Countersignature Responsibility Q Who is ultimately responsible for making sure that a policy is countersigned? The agent who produces the business…
Fraud Coverage not Applicable to Transformation of Information Q A client's employee was tricked into disclosing their bank account information. The…
Ocean Marine—In Rem Action Discussion Q Our new client is interested in buying proper insurance coverage for his business exposures. We have…