An insurance agent can be liable to a client if he or she did not place coverage where the agent undertakes to procure coverage or failed to properly tell the client that the coverage was not provided and because of this the client thinks he or she has coverage.

It is the fiduciary duty of the insurance broker to advise clients and recommend specific kinds of coverage to them. A broker must also investigate and ascertain the financial state of prospective companies, as well as notify the insured that coverage has been cancelled or terminated. An insurance broker is more than an "order taker."

It is the professional duty of the insurance agent to protect his or her clients. This duty may have been violated if your agent did not cover your property properly. Call The Berniard Law Firm today at (504) 527-6225 for a free consultation so we can determine whether your agent can be held liable for your underinsured or uninsured losses. You can also contact us online.