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An insured sues his agent because the policy he ordered was not in effect at the time of loss. (Photo: Shutterstock)

An insurance agent is only required to obtain the insurance requested by the insured. The insurance agent does not guarantee that every claim the insured presents will be covered by the insurer.

In Glasser v. M&O Agencies Inc., an insured sued his agent because the policy he ordered was not in effect at the time of a loss. The agent’s defense was that there was no coverage for the loss.

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