Recent court rulings confirm that agents and brokers do not owe duties to their insureds to provide complete coverage for liability and property damage under ordinary circumstances.

In these situations, agent and broker obligations typically stop at providing only coverage that insureds have specifically requested, according to a growing body of court decisions—several of which were outlined in a prior article published in the April 11 print edition NU.

Still, special relationships or circumstances may exist—and work to broaden a broker’s duty to advise:

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