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Case Name | Williams v. Hilb, Rogal & Hobbs Ins. | |
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Date | 09/09/2009 | |
Note | Insurance agent held herself out as having expertise in the insurance needs of the plaintiff-employer and failure to advise plaintiff of the necessity for such insurance, and that it was not included in her package for plaintiff, breached the duty she assumed by holding herself out as 'the expert on the product necessary to satisfy [plaintiff's] insurance needs.' | |
Citation | B203691 | |
WCC Citation | WCC 35642009 CA |
FACTUAL AND PROCEDURAL BACKGROUND John Daniel Williams and Steven Stuart Simon were boyhood friends in Oklahoma, where Williams still lives and owns his own mortgage brokerage business. After Thaw submitted Williams' application to Travelers, she sent Williams an insurance proposal for Rhino SFS, which Williams accepted "as is. "The court heard testimony from a number of witnesses, including Williams, Simon, Thaw, Karen Williams (Williams' wife), and experts for each side. As it happened, Robyn Thaw's recollection of her telephone conversations with Williams in January 1999 differed from those of Williams, recounted above. She wrote no memorandum to the file (or to Williams) to indicate that workers compensation coverage was offered and declined.
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