National Underwriter is highlighting independent agentsand brokers in this issue, so let's declare today Independents'Day!

The cases I've seen fall into two main groups: failure to placecoverage and to exercise independent judgment. Here, I'm focusingon the second type from the plaintiff's point of view. Next time,we'll look at the defendant's side.

If the professionals offer only the products of the one insurerwith which they are contracted (a captive or career agent) theagent is not independent. But many agents have nonexclusive agencyagreements with multiple carriers and may also act as brokers inrepresenting applicants to insurers with which they have no agencyagreements.

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.