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 staged insurance loss is a fictitious loss created for the sole purpose of defrauding an insurer. Wherever insurance exists in the world there is insurance fraud.
Insurance agents owe a duty to obtain the insurance and the coverage limits the customer requests. But when someone is hurt by the insured's actions, can the injured person, who isn't a party to the contract between the insured and the carrier, sue the agent because there wasn't enough insurance...
Most people do not understand how hard it is to set fire to a house that destroys the entire dwelling and its contents. Most residences simply do not have sufficient combustibles in the right place to allow for a sustained fire. Many homes, especially the more modern ones, have fail-safe...
Insurance only protects against events that are contingent or unknown at the time the policy is acquired. A Mississippi farmer named Mitchell Scruggs learned this lesson the hard way, after several years in court in multiple cases.