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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.
Owners and Contractors Protective—Coverage for Adjacent Land? Q My client is having a building constructed on property that he owns. A fence…
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…
Boat Policy and Lack of Reasonable Care in Maintenance Exclusion<br>We insure a boat on a boat policy with hull coverage. The insured inadvertently drained…
Business Auto Coverage for Unscheduled Trailer This question pertains to liability coverage afforded by the business auto policy. The insured was driving…
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,…
Consequential Injury Under a Truckers Coverage Form Q An employee of the insured operates the insured's tractor-trailer while performing duties related…
Claims-Made Policy and Late Notice Our insured has a claims-made directors and officers policy with employment practices coverage. Our insured terminated…
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…