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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 (see “Special Circumstances May Mean Agents, Brokers Owe Greater Duties To Clients,” April 18, 2011 edition of NU). But the question for this column is: What ethical responsibilities does an agent have with regard to recommending coverage—and do those duties vary if the producer is a broker?”

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