Insurance Broker Fails to Sell Adequate Coverage to Business

Case Overview

This case involves a large garden center that suffered extensive damage due to an electrical fire. After the fire, it was discovered that the business lacked the proper insurance coverage related to the damage to its property and interruption of business that the fire caused. The garden center, which operated several locations in its region, allegedly had proper insurance for all of its locations except for the one involved in the fire. It was alleged that the company’s insurance broker was at fault for not selling them the proper coverage.