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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.
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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.
Cut-Through Endorsements Under Reinsurance Policies Q We are seeking reinsurance policies for several of our insureds. One of the insureds has asked…
Pair or Set Clause Our insured threw away an old bathrobe, not realizing her diamond earrings were in the pocket. By the time she discovered they were…
Professional Liability for Physicians Q We have a question about how a physician's professional liability policy would respond in this situation.…
Glass as a Pollutant? Q My insured has an indoor swimming pool. Two children collided while swimming and broke their face masks. The glass from the…
Claims-Made Policy and Late Notice Our insured has a claims-made directors and officers policy with employment practices coverage. Our insured terminated…
Garage Policy not for Storage Expenses Our insured is a trailer/RV dealer. His Dodge truck had a fire in the engine. At the time, the insured was pulling…
Last Injurious Exposure Rule Q One of the coverages that I provide for my clients is workers compensation. I have become aware of something called…
Employee's Salary a Continuing Operating Expense Who decides which employees and their payroll remain during the period of restoration? The insured…
Med Pay for Trucking Company Owner-Operators Q Our insured is a trucking firm that contracts with owner-operators to make their runs and the firm…
Other Insurance Clause Under the Lamb-Weston Rule Q We have heard that a rule known as the "Lamb-Weston" rule exists and that it affects coverage…