Your insurance agent assumes an additional duty by holding himself out as having expertise in a given field of insurance being sought by you. For example if your insurance agent tells you he specializes in rental income properties he has a duty to obtain insurance that will cover you for foreseeable losses that a bare bones policy would not cover for the same losses. Your insurance agent’s failure to obtain insurance as a specialist for rental income property may be grounds to hold him responsible for losses caused by his negligence in not obtaining you the proper policy.
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