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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.
Collision Damage due to Cargo Shift? Q I'm handling a claim in which cargo was being transported by a tractor-trailer. The cargo in the trailer shifted…
Professional Liability—Fraudulent Acts— Actual versus Constructive Fraud Q One of the exclusions under the lawyers professional liability…
Boat Dealer's Coverage under Marina Operators Form Q Our insured operates a boat dealership and marina. Coverage is under a Marina Operators form…
Garage Policy—"Any Auto"Includes Semitrailer Q A garage policy insured was using one of his trucks to pull a customer's semitrailer from one…
Business Auto Coverage for Unscheduled Trailer This question pertains to liability coverage afforded by the business auto policy. The insured was driving…
Personal Comfort Doctrine Explained Q We know that workers compensation coverage is to apply when an employee is injured in the course of employment.…
Fraud over Payment Sent to Wrong Contractor? Q One of my policyholders sent a payment check to the wrong contractor. This contractor cashed the check…
Usual Exertion Doctrine? Q I was reading about something called the "usual exertion" principle in a workers compensation case that was before the…
Engagement Ring Coverage Issue We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…
Personal Inland Marine Loss Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it appeared to have cracked.…