Stroud Ex Rel. Stroud v. Progressive Gulf Ins. Co.

WILSON, J., FOR THE COURT:

¶ 1. David Stroud was engaged in the business of hauling miscellaneous items and towing vehicles. In April 2010, either David or his wife, Deonna, contacted the Conn Insurance Agency, owned by Virginia Conn, to obtain "cargo coverage" required for David's business. 1 The Conn Agency sells Allstate insurance and has an Allstate sign, and the Strouds had a policy with Allstate; however, Allstate did not offer "cargo coverage" of the type they requested, so an employee of the Conn Agency, Jennifer Guzman, 2 obtained a policy through Progressive Gulf Insurance Company…