Court Opinion

ID: 9652098
Source: CourtListenerOpinion
Date Created: 2023-08-23 17:16:56.883527+00
Date Added: 2024-06-11T18:12:48.229270
License: Public Domain

DOWNING, J.,
dissents and assigns reasons.
|,I respectfully dissent. “[I]n the absence of special circumstances, the broker is the agent of the insured in procuring the policy of insurance and does not represent the insurer.” Tassin v. Golden Rule Ins. Co., 94-0362 (La.App. 1 Cir. 12/22/94), 649 So.2d 1050, 1054. The facts here fail to reasonably show any special circumstances demonstrating that the broker, |2Paul Co-oksey/Braxton, acted as agent for Sphere Drake. Despite the majority’s contention, the record does not support the conclusion that the alleged policy at issue was a renewal policy requiring cancellation or notice. Further, the record contains no copy or representation of the final terms of the alleged policy. Accordingly, I cannot agree with the majority’s conclusion that the trial court did not err in finding that Sphere Drake provided liability insurance coverage to Reliable for the van operated by Harris. I conclude, therefore, that Sphere Drake is not responsible for Reliable’s defense costs and expenses in excess of the self-insured retention limit.