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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.
Garagekeepers Coverage for Theft of Vehicle Our insured is an auto dealer and has a garage coverage form with garagekeepers coverage. The insured has…
Employee Dishonesty — Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…
Workers Compensation for Employee on Break I have a question related to a CGL claim. The insured's employee left the building, and was walking to a…
Business Auto Policy and Out of State Loss Our insured has a business auto policy (BAP) with symbols 7, 8, and 9 for covered auto liability. The insured…
Pollution Attributed to Vandalism Q We recently had a claim where a covered auto (a fuel tanker-trailer) was damaged by vandals when they ran a piece…
Ocean Marine—In Rem Action Discussion Q Our new client is interested in buying proper insurance coverage for his business exposures. We have…
Owners and Contractors Protective—Coverage for Adjacent Land? Q My client is having a building constructed on property that he owns. A fence…
Consequential Injury Under a Truckers Coverage Form Q An employee of the insured operates the insured's tractor-trailer while performing duties related…
Med Pay under the Garage Coverage Form Our insured is an auto dealer. They were using a dealership owned vehicle to haul a nonowned trailer with a float…
Workers Compensation, Uninsured Motorist Coverage, and Subrogation Rights A former employee was allegedly injured in an auto accident a few years ago.…