Commentary and analysis on the
law of insurance coverage

Category Archives: Federal Preemption

When is an Agent Not an Agent?

When is an Agent Not an Agent?

In most cases — there are exceptions to everything — an insurance agent is the agent of the insurer and representations the agent makes to a policyholder, or prospective policyholder, bind the insurer as if the representations had been made by the insurance company, itself.  This is not necessarily so in the case of a flood insurance policy purchased through the National Flood Insurance Program.  Read More

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