Insurance agents and brokers have a general duty to procure coverage as required by their clients or to inform them if they are unable to do so. In California law, there is no obligation for agents to volunteer advice on purchasing different or additional insurance coverage. However, agents should use responsible care, diligence, and judgment to provide coverage and this duty can be extended in some circumstances. “Special duties” are created if the coverage is misrepresented, the agent fails to secure coverage that has been specifically requested, or the agent presents themselves as having expertise in the type of insurance they are selling.