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

In these situations, agent and broker obligations typically stopat providing only coverage that insureds have specificallyrequested, according to a growing body of court decisions—severalof which were outlined in a prior article published in the April 11 print editionNU.

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

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