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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.
Valuable Papers Coverageand Limits of Insurance Q The question here is not what valuable papers coverage applies to, but just how much coverage the…
Questions if business income coverage applies if a business must shut down due to gasoline fumes (odor).
Employee Dishonesty—Inventory Computation Exclusion Q I am working with an employee dishonesty claim, with form CR 00 10 10 90. The facts are…
Irrigation System and Steam Boiler Policy We have an insured with a company-specific steam boiler policy. The insured has coverage for direct damage…
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…
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…
Scaffolding Coverage Under<br>the Small Tools Floater<br><br><br><br>We have insured a small contractor for a number of years, and have generally arranged…
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,…