Opinion ID: 1693027
Heading Depth: 1
Heading Rank: 5

Heading: negligent failure to procure liability insurance

Text: We first address Hobbs' claim of negligent failure to procure liability insurance. An insurance agent or broker who agrees to obtain insurance for another but negligently fails to do so is liable for the damage proximately caused by such negligence. Flamme v. Wolf Ins. Agency, 239 Neb. 465, 476 N.W.2d 802 (1991). However, this is not a case where an agent or broker negligently failed to obtain insurance for a client; this is a case where a client asked an agent to drop certain insurance and then protests when the agent complies with the request. It is undisputed that Hobbs did not request liability insurance coverage on his trailers and that Hobbs and Hawk consented to the deletion of liability coverage in the renewed insurance policy. Therefore, liability of the defendants cannot be based upon claims that the insurance agent negligently failed to obtain insurance requested by Hobbs.