Insurance agents, even though they are agents of companies, may be held liable for clients' losses if, when requested to do so, they fail to provide proper coverage for the contemplated loss.

Insurance Agents

Professionals who sell, solicit, and negotiate insurance policies on behalf of insurers, providing advice to buyers and managing the policy.

Proper Coverage

Adequate insurance protection or the extent to which insurance policies meet the insured's needs.

Clients' Losses

Refers to financial, physical, or reputational damage suffered by clients, possibly due to professional negligence or adverse market movements.