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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.
Employee Dishonesty Coverage and Discovery Period Q Our insured business owner received a phone call from a customer stating he had been double-billed.…
Boiler and Machinery—Coverage for Damage Caused by Leaking Valve? Q Our insured, who owns an ice skating rink, has coverage under the comprehensive…
Rare Articles Coverage Includes Coins? Q I am insuring a merchant on BOP Form BP 00 02 01 96 who had some rare coins stolen. Under optional coverage…
Discusses coverage when picture submitted is incorrect.
Discusses accidental freezing caused by employee error.
Other Insurance Clause Under the Lamb-Weston Rule Q We have heard that a rule known as the "Lamb-Weston" rule exists and that it affects coverage…
Employee's Salary a Continuing Operating Expense Who decides which employees and their payroll remain during the period of restoration? The insured…
Last Injurious Exposure Rule Q One of the coverages that I provide for my clients is workers compensation. I have become aware of something called…
Med Pay for Trucking Company Owner-Operators Q Our insured is a trucking firm that contracts with owner-operators to make their runs and the firm…
Discusses anticipated rental income and determination of rental value.