California recognizes the general rule that an agent or broker who intentionally or negligently fails to procure insurance as requested by a client will be liable to the client in tort for the resulting damages. An insurance agent has an obligation to use reasonable care, diligence, and judgment in procuring insurance requested by an insured.
If your agent fails to exercise reasonable care in procuring the type of insurance that you requested and bargained for, the insurance company may be liable.
You don’t have to accept your insurance company’s decision to deny your claim because your insurance agent or broker did not obtain the insurance coverage you requested. Call us for a free consultation with a partner of our firm. We will fight for everything you are entitled to.