All insureds must agree on policy changes. Barry Zalma discusses a case where an agency changed a policy without persmission and led to a lawsuit and loss of client's business.

Insureds continue to ask for more coverage than what is agreed upon. Read the judgment on Little v. Kentucky Farm Bureau Mutual Insurance Co.

Insureds can't force agents and brokers to sell more coverage than what's wanted

Barry Zalma discusses a case which involves an insurance agent assisting a farmer in insurance fraud.

The Benefit Options case teaches that an agent or broker who does not read an agreement or have his lawyer read the agreement before taking on work will find himself working for free with no recourse.

Barry Zalma writes about how an insurance agent and the insurer represented by the agent were found not liable for false statements on an application because the agent and insurer were able to prove that the insured did not read the application.

Barry Zalma writes that a lawsuit attempts to change California statutory and common law

Barry Zalma discusses a case that occurred because of the agency's negligence.