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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 Liability and Products Completed Operations Claim Our insured runs a tire service station and he has a standard garage coverage form A customer…
Valuable Papers and RecordsCoverage Away from Premises Q We have an insured with coverage for valuable papers and records on a commercial inland marine…
Faulty Work Exclusion under Garage Policy Q Our insured, an auto repair shop, has an ISO garage coverage form CA 00 05 10 01. Recently a customer's…
Crime Form and Third Party Coverage Does the employee fidelity bond (form A) provide coverage if the insured employee steals from a third party? Our…
Waiting Period Not the Same as a Deductible Our insured had a business income loss that resulted in a twenty-eight hour closure. The property deductibles…
Garage Operations Include Restaurant and Office Buildings? Q We insure a new car dealer on a garage policy. This insured owns several office buildings…
Period of Indemnity ExtensionEndorsement and Loss of Rents Q A multi-unit apartment building owned by one of our insureds was damaged by fire. Six…
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,…
Boiler & Machinery Testing Loss Q Please provide an interpretation of the words "testing" or "tested" as it relates to the boiler and machinery…
Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…