The question often arises in insurance litigation concerning whether the insurance agent is an "agent" for the insurance company, or an agent for the insured.  Whenever this issue arises, the insurance industry argues that the agent is the agent of the insured.  This way, the insurance company can argue that any mistakes by the agent

In Liberty Surplus Insurance Corporation v. First Indemnity Insurance Services, Inc., ____ So.3d ____ (Fla. 4th DCA March 10, 2010) a proposed insured provided its insurance broker with an application for insurance which contained 14 different supplement pages describing 14 prior claims during the past 5 years.  The broker then submitted the application to Liberty, however the