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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.
Mechanical Breakdown Exclusionand Inland Marine Form Q A company we insure was hired to remove the top of a water tower with a crane. The top was…
Employee Dishonesty Coverageand Third Parties Q We insure a moving and storage company that wants to bond its employees for theft of merchandise from…
Contractor's Profit Where the Insured Performs Repair Q I insure a company that owns a dry dock that was damaged when a boat tipped onto it. The dry…
Employee Dishonesty Coverage and Discovery Period Q Our insured business owner received a phone call from a customer stating he had been double-billed.…
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…
"Occurrence" Definition in Crime Coverage Q Our insured owns a pizza restaurant. The same individual broke into the premises and stole cash on many…
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…
Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…