About Us

FC&S Expert Coverage Interpretation is an authoritative and widely cited insurance reference solution that provides information and interpretations on property & casualty coverage in an unbiased manner.

About FC&S Expert Coverage Interpretation

FC&S Expert Coverage Interpretation is an authoritative and widely cited insurance reference solution that provides information and interpretations on property & casualty coverage in an unbiased manner. It is designed to benefit the insurance industry as a whole by providing fair and objective policy interpretation. FC&S Expert Coverage Interpretation is considered the gold standard by insurance professionals to support coverage positions and has been cited in numerous court cases, solidifying FC&S as a resource of credible, objective information.

Professionals ask questions to our expert staff of editors, for quick and reliable information regarding unique coverage situations. Our editors are CPCUs and attorneys, with 60 years of industry experience, combined, with specializations in Homeowners, Personal Lines, Commercial General Liability, Personal and Business Auto, Commercial Property and Business Income.

Meet the Team

Christine G. Barlow, CPCU Executive Editor

Over 30 years of industry experience. Christine specializes in Homeowners and Personal Lines. Christine has experience in claims, underwriting, and training. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide.

Karen L. Sorrell, CPCU Associate Editor

Karen brings over 30 years of industry experience to the team. Karen specializes in Commercial Property and Business Income.

Ray Sugrim, Insurance Editor

Ray is a Risk Management & Insurance graduate from St John’s and CPCU candidate.

Kelly S. Helton, JD, Assistant Editor

Kelly began as a Legal Research Intern updating the Licensing and Surplus Lines Laws and the Cancellation and Nonrenewal annual publications before joining the team as Assistant Editor.

Contact Us

FC&S Expert Coverage Interpretation
4157 Olympic Boulevard, Suite 225
Erlanger, KY 41018

Telephone: (800) 543-0874

E-mail Address: [email protected]

Find the Answers You Need, Quickly and Easily

Search and navigate Q&As, topics, or lines of business to find answers to your specific questions

Further refine your search: Filter by article, discussion, analysis and more to find the exact information you’re looking for

Access Quality Content from Industry Experts

Editors are CPCUs and attorneys, with over 60 years insurance experience, combined

Ask the Experts: If your question isn’t answered by our collection of peer-submitted, expert-answered Q&As, you can submit your specific coverage interpretation questions to the editors for quick and reliable information

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