For Dr. Peter R. Kensicki’s next “Question of Ethics” column, he asks readers to comment on the following:

In most states an insurance agent has no legal duty to recommend coverage to an applicant for insurance unless the agent in some manner assumes that duty.

But what ethical responsibilities does an agent have with regard to recommending coverage and do those duties vary if the producer is a broker? 

Please forward your responses to Dr. Peter R. Kensicki at [email protected] or via mail to his attention at 105 Bittersweet Drive, Richmond, KY 40475.  All responses will be kept confidential.  Please include your role in the insurance business—agent, adjuster, risk manager.

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