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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.
Period of Indemnity and Period of Restoration Can you explain the difference between the period of indemnity and the period of restoration? California…
Garagekeepers Symbol 30 Requires Employee Payment for Services We have a client that owns a restaurant with valet parking service. He wants to insure…
Performance Bond Guarantees Completion of Work Our client, a municipality, has contracted with a builder to construct a service center. At the time…
Inland Marine Coverage as All Risk Our insured operates a stone quarry and has a stone crusher covered under an inland marine form. The motor that pumps…
Garagekeepers Legal Liability and Direct Coverage We have a tire and auto repair shop insured with a standard garage policy and garagekeepers coverage.…
Garage Coverage and Theft We have several questions pertaining to theft losses that have occurred in our insured's garage business. In the first scenario,…
Theft of Credit Card Numbers from Merchant Restaurant employee or outsider (cleaning crew perhaps)stole the credit card information from patrons of…
Artificially Generated Electrical Current Peril I am interested in your analysis of the Sudden and Accidental Damage from Artificially Generated…
Workers Compensation Policy Does Not Respond to Nonoccupational Twenty-Four Hour Coverage State workers compensation laws require an employer to provide…
What is Forgery? Q I need some help with a Crime Protection claim involving forgery of applications and premium finance checks. Our client is a premium…