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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.
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.…
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…