Hoverboards are the hot gift this holiday season. Perhaps too hot, according to the U.S. Consumer Product Safety Commission.

Nestle CEO Paul Bulcke took the witness stand Wednesday in a harassment lawsuit brought by a former employee who alleges the worlds largest food-maker ignored her warnings about product safety.

Mapfre USA had wanted customers to pay as much $10,000 toward repairs.

A captive agent generally owes a duty to the company, not the insured. But a producer owes the client a duty to procure the coverage requested.