Insurance brokers do not have a duty to inspect a businessproperty to offer flood insurance, according to a ruling handeddown this week by an appeals court in in Pennsylvania.

The case stems from a Millersburg business that obtained acommercial policy in 1994 through the Brown and Brown InsuranceCo., Tampa, Fla., and suffered a flood five years later.

When the business, Saturn Surplus, was informed by its brokerthat there was no coverage for flood damage, it filed suitasserting the brokers breached their duty by failing to investigatetheir client's insurance needs.

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