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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.
Replacement CostProvision in the 1996 BOP Q I'm adjusting a claim that is covered by an ISO businessowners policy form BP 00 02 01 96. The Loss Payment…
Business Personal Property at Fairs or Exhibitions Q Our insured has a retail store but occasionally will display some of the business personal property…
Businessowners — Sanitized Walls and Replacement Cost Coverage Q Our client owns several commercial rental properties. Each of the buildings…
Transit Policy Covers Goods Sold but Not Delivered? Q Until recently, our insured had been shipping goods to their customer for more than twenty years…
Employee Dishonesty—Inventory Computation Exclusion Q I am working with an employee dishonesty claim, with form CR 00 10 10 90. The facts are…
Employee's Salary a Continuing Operating Expense Who decides which employees and their payroll remain during the period of restoration? The insured…
Employee Dishonesty—Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…
Discusses whether a loss of tax credits is a qualifying business income loss.
Discusses coverage when picture submitted is incorrect.
Garagekeepers Faulty Work Exclusion Q Our insured is a car wash operation. While washing a car, the insured's employees used a solution to clean the…