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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.
Garage Policy and Applicable Deductible We write a commercial garage policy for a motorcycle dealership. The insured has comprehensive physical damage…
Garage Operations and Completed Operations Claim Our insured is a business dedicated to the installation of radio, alarms, and similar electronic equipment…
Indemnity Versus Pay-on-Behalf of Language In reading umbrella policies, we have found two differing versions of the insuring agreement. One states…
Valuable Papers Coverageand Limits of Insurance Q The question here is not what valuable papers coverage applies to, but just how much coverage the…
"Occurrence" Definition in Crime Coverage Q Our insured owns a pizza restaurant. The same individual broke into the premises and stole cash on many…
Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…
Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…
Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…
Water Loss From Swimming Pool Covered by BOP? Q We insure a local country club on a businessowners policy (BOP) with special causes of loss. Recently,…
Replacement Cost Defined Our insured has a businessowners policy, ISO special form BP 00 02 12 99. In August, lightning destroyed the computerized phone…