An insurance agent may be liable to a client for not placing coverage where the agent undertakes to procure coverage, fails to diligently do so or notify the client that he has not, and thus warrants an assumption on the part of the client that the coverage was obtained.

Insurance broker's fiduciary duty includes advising his client with regard to recommended coverage, investigating and ascertaining financial condition of prospective companies and notifying insured of cancellation or termination of coverage; insurance broker is not a mere "order taker."

An insurance agent has a duty as a professional to protect his clients. This duty may have been broken if your agent did not adequately cover your property. Contact the Berniard Law Firm today for a Free Consultation to determine if your Agent might be liable for your uninsured, or underinsured losses.