A basic duty of an insurance agent or broker is to provide requested coverage within a reasonable time period, but the duty doesn't exist until the producer agrees to procure the coverage, a court ruled last year.
This may seem like a fairly straightforward proposition.
However, in Avery v. Diedrich, the question of exactly when an agent has a duty to procure coverage was considered by the Wisconsin Supreme Court in the following context: a very specific request was made for an agent to procure a certain level of coverage; there was uncontradicted evidence of this request; but the agent, nevertheless, failed to obtain the coverage.
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