When Insurance Agents Fail: Accountability For Insurance Agent Negligence
When we purchase insurance, we trust that our agents will guide us honestly and competently. Unfortunately, that trust is sometimes broken. Insurance agent negligence can leave policyholders vulnerable. You may be stranded without the coverage you thought you had, or facing a denied claim due to errors that were not your fault. These situations can be financially and emotionally devastating.
At Stockham Law Group, P.A., we understand the frustration and hardship that comes with being misled or underserved by an insurance agent. We are committed to holding negligent agents and insurance companies accountable. Based in Tampa, we work with policyholders – both individuals and businesses – across Florida.
What Is Insurance Agent Negligence?
Insurance agent negligence occurs when an agent fails to uphold their professional duty to act in the best interests of the policyholder. This can include:
- Failing to procure the correct type or amount of coverage
- Misrepresenting policy terms or exclusions
- Not submitting applications or endorsements properly
- Providing incorrect advice about claims or coverage
- Omitting or misrepresenting critical information that leads to a claim denial
These actions may constitute insurance agent malpractice or professional negligence insurance violations. These mistakes can result in serious financial losses to policyholders, especially when a claim is denied or underpaid due to the agent’s error. In such cases, the agent may be held liable.
How We Help Victims Of Insurance Agent Negligence
We have built a reputation for aggressively pursuing justice for policyholders in complex insurance disputes. Our team of insurance agent negligence attorneys has extensive experience in these claims. We understand the nuances of Florida insurance law and how to prove that an agent’s negligence directly caused your financial harm.
We handle cases involving:
- Insurance agent liability
- Agent misrepresentation claims
- Insurance coverage errors
- Failure to procure insurance
- Insurance agent errors & omissions
- Insurance agent breach of duty
We also investigate whether the agent violated their fiduciary responsibilities or failed to meet the insurance agent standard of care. In some cases, we uncover insurance coverage misrepresentation, negligent failure to procure a policy or failure to procure the coverages requested – all of which can form the basis of a strong legal claim.
Frequently Asked Questions
We know insurance agent negligence can raise a lot of questions. Here are some of the most common concerns we hear from clients – and how we can help.
Can I sue my insurance agent for negligence?
Yes, potentially. If your insurance agent failed to act with reasonable care, and that failure caused you financial harm – such as a denied or underpaid claim – you may have grounds for a lawsuit on grounds of insurance agent negligence. These cases include failure to procure a policy, failure to procure a policy with requested coverages, and misrepresentation about policy coverages. Our attorneys can help you determine whether your case qualifies and what compensation you may be entitled to.
What damages can I recover?
You may be eligible to recover the amount of the denied claim.
What are the advantages of working with Stockham Law Group, P.A.?
When you work with us, you get:
- A hands-on legal team of award-winning attorneys that work closely with you to answer questions and address concerns
- A personalized legal strategy tailored to your case
- Deep knowledge of Florida’s insurance laws and standards
- A team that understands insurance agent duty of care and insurance agent disclosure requirements
- Direct, transparent communication throughout your case
- A firm with a proven track record of success in holding insurance companies and agents accountable for wrongdoing
We don’t represent insurance companies; only policyholders. Our mission is to protect the rights of individuals, families and businesses who have been wronged by negligent agents or insurers.
Take Action Today To Hold Negligent Insurance Agents Accountable
If you believe your insurance agent’s negligence has cost you coverage or compensation, don’t wait to seek legal help. Strict legal deadlines apply for pursuing these cases. The sooner our lawyers can review your case, the better your chances of recovering damages and holding the responsible parties accountable. Contact us by phone at 844-957-1486 for a free consultation.