An insurance agent is only required to obtain the insurance requested by the insured. The insurance agent does not guarantee that every claim the insured presents will be covered by the insurer.
In Glasser v. M&O Agencies Inc., an insured sued his agent because the policy he ordered was not in effect at the time of a loss. The agent's defense was that there was no coverage for the loss.
|Repairs or renovations?
In March 2010, Elliott J. Glasser bought a large commercial property (called the McDowell Property) that was previously an automobile dealership. Glasser's employees began cleaning and making repairs, but Glasser did not lease the property or occupy it himself.
Glasser, through his insurance agent M&O Agencies, added the McDowell Property as a scheduled location on his existing commercial insurance policy from Cincinnati-based Great American Insurance Co., which covered the McDowell Property with property and liability insurance. In April 2010, and at the direction of an employee of Glasser's business, M&O Agencies instructed Great American to delete the property coverage for the McDowell Property.
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