Clients sue agent for breach of contract and negligence after a basement floods and the insurer denies their claim.

Agents and brokers often fill out insurance applications for their clients, but it can lead to claims of misrepresentation.

In a New York case, unless there are 'exceptional situations,' agents are not obligated to recommend additional coverages.

Marine insurance contains warrantiespromises by the insured for future conduct on which the policy reliesand if breached would cause the policy to be void.

Marine insurance contains warrantiespromises by the insured for future conduct on which the policy reliesand if breached would cause the policy to be void.

Insurers have the right to limit their risk by placing warranties in their policies that state if the warranty is breached the policy is void as of the breach. They are rarely used.

Insurance agents and brokers must keep the records about their clients sacrosanct and not access this information for personal reasons. Without authority, one agency staff member did the opposite, and her employment was terminated.

A sweet young thing and her college beau thought they could outsmart their insurer on a fraudulent auto claim.