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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.
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…
Falling Objects and the BOP Q An insured knocked over a medical instrument that contained mercury. The mercury spilled and cleanup costs were incurred.…
Negligent Work Exclusion and the BOP Q Our client's building is insured on a BOP special form. The building has two levels. Recently, the insured…