Philosopher Jim Morrison of The Doors observed, “People are strange when you’re a stranger.” Indeed, strange things can happen to an insurance agent or broker when a complete stranger makes a claim for damages because his or her actual customer did not have needed insurance coverage.

In a column last year we examined the notion of a “special relationship” between an insurance professional and a customer. It’s a term used by some courts as a litmus test to decide whether the broker owes a duty to recommend needed insurance coverage or higher limits to the customer. (Read: “Client relationships: the good, the bad, and the worse”)

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