Ghiz v. Richard S. Bradford, Inc.

HORNBY, Justice.

The issue posed by the appellant in this case is whether an insurance agency has a tort obligation to “explain various types of coverage and to ensure that adequate coverage will be obtained by a person who is extensively relying upon [its] expertise” when the agency is not the customer’s agent. Although such obligations between a seller and a buyer of commodities or services may arise out of contractual or agency undertakings and out of tort duties prohibiting fraud or misrepresentation, we conclude that there is no independent duty of reasonable care and therefore affirm the…