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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.
Boiler & Machinery Coverage for Rolling Blackouts? Q Many of my clients have suffered business income losses because of the rolling electrical…
Warehouseman's Legal Liability Coverage and Notice Requirements Q We insure a company that rents storage units to individuals who store their goods…
Scrap Wire Covered as Personal Property Our insured has the BP 00 02 12 99 (Businessowners Special Property Coverage Form) with endorsement BP 07 06…
Bailee's Coverage—Processing or Work upon Exclusion Q We have written a commercial laundry account for many years. In 1986 they ruined some…
Businessowners — Books as Valuable Papers? Q One of our businessowners insureds recently filed a claim for valuable papers and records coverage…
Vendor Coverage for Distributor? Our insured is a small motel. It distributes shampoo and other toiletries to its guests as complimentary gifts. Does…
Workers Compensation and the "Going and Coming" Rule
Valuation v. Insurance under Transit Coverage Form Our insured owns a business and often has to ship packages. He has a transit coverage form that has…
"Who is an Insured" Clause under the CGL Form The commercial general liability (CGL) coverage form is supposed to be comprehensive in nature in that…
Errors and Omissions Claim Under a Professional Liability Policy Q Our insured runs a travel agency. He booked two separate trips, back-to-back, for…