{"id":9496,"date":"2013-09-26T05:30:43","date_gmt":"2013-09-26T05:30:43","guid":{"rendered":"http:\/\/localhost\/propertyinsurancecoveragelaw\/2013\/09\/26\/insurance-broker-negligence-in-new-york-part-1\/"},"modified":"2024-05-02T14:53:34","modified_gmt":"2024-05-02T18:53:34","slug":"insurance-broker-negligence-in-new-york-part-1","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/","title":{"rendered":"Insurance Broker Negligence in New York &#8211; Part 1"},"content":{"rendered":"<p>Having just joined <a href=\"http:\/\/merlinlawgroup.com\/locations\/new-york-ny\">Merlin Law Group&rsquo;s New York office<\/a>, I would like to introduce myself to the property insurance blog community. I am an attorney licensed in New York with extensive experience representing insurance carriers. In my new role at <a href=\"http:\/\/merlinlawgroup.com\/\">Merlin Law Group<\/a>, I intend to apply my knowledge of the insurance industry exclusively to representing policyholders and their interests. I will be posting on various aspects of insurance law in New York, in particular as they relate to first-party property claims, so feel free to post any questions or comments that you might have.<\/p>\n<p><!--more-->  <\/p>\n<p>In today&rsquo;s blog post, I am going to discuss the important issue of when a Broker can be held liable for negligence in New York. As my colleague <a href=\"http:\/\/merlinlawgroup.com\/attorneys\/robert-t-trautmann\">Robert Trautmann<\/a> correctly mentioned in his blog post, <em><a href=\"https:\/\/propertyinsurancecoveragelawfullservice.lexblogplatformtwo.com\/2013\/03\/24\/insurance-broker-negligence-in-new-jersey-part-1\/\">Insurance Broker Negligence in New Jersey<\/a><\/em>, many insured&rsquo;s are unpleasantly surprised to discover that they are either underinsured or in some cases not insured at all for losses they fully expected to be covered. It is important for consumers and insurance professionals to be aware that the liability for this shortfall may well rest with their insurance broker or agent.<\/p>\n<p>One example of this is when a broker negligently fails to procure additional insurance requested by an insured. In New York, a broker or agent may be held liable in this circumstance up to the amount the insurer would have owed, had the policy been in force at the time of the loss. This is illustrated in the case of <em>Gorgone v. Regency Agency Inc.<\/em>,<sup>1<\/sup> In this case the plaintiff, Gorgone, requested his broker increase underinsurance coverage on his policy from $10,000 per person, $20,000 per accident to $250,000 per person $500,000 per accident to become effective November 15, 1989. The broker told Mr. Gorgone that he would add the additional insurance and led him to believe that he was covered as of November 15, 1989. In fact, the broker mistakenly effectuated the policy as of December 12, 1989. The plaintiff subsequently had an accident on December 2, 1989 with a taxi, ten days before the enhanced policy came into effect. The carrier summarily denied Mr. Gorgone&rsquo;s claim citing that according to his policy Mr. Gorgone&rsquo;s enhanced underinsurance limits did not come into effect until December 12, 1989. The matter was brought to suit and the court found in favor of the plaintiff on this issue. The court found that the broker had a fiduciary obligation to the plaintiff in this circumstance. Consequently, the broker&rsquo;s acts necessitated finding in favor of the plaintiff on the issue of negligence for failure to procure additional insurance.<\/p>\n<p>This case illustrates how a broker can negligently fail to procure insurance for an insured and subsequently be held liable. While each case is different, it is a good idea to explore the possibility of broker negligence in a case where you or your insured believes he or she was promised coverage that is not available at the time of loss.<\/p>\n<hr \/>\n<p> <sup>1<\/sup> <a href=\"http:\/\/scholar.google.com\/scholar_case?q=Gorgone+v.+Regency+Agency&amp;hl=en&amp;as_sdt=2,10&amp;case=4493351626229245824&amp;scilh=0\"><em>Gorgone v. Regency Agency Inc.<\/em>, 656 N.Y.S. 2d 622 (1997)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney licensed in New York with extensive experience representing insurance carriers. In my new role at Merlin Law Group, I intend to apply my knowledge of the insurance industry exclusively to&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":36,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[4],"class_list":["post-9496","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Insurance Coverage Law Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MerlinLawGroup\/\" \/>\n<meta property=\"article:published_time\" content=\"2013-09-26T05:30:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-02T18:53:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/12\/share-merlin-law-group.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Merlin Law Group\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:site\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Merlin Law Group\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\"},\"author\":{\"name\":\"Merlin Law Group\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/2de4d02166df83c8d52df1a1661fbd78\"},\"headline\":\"Insurance Broker Negligence in New York &#8211; Part 1\",\"datePublished\":\"2013-09-26T05:30:43+00:00\",\"dateModified\":\"2024-05-02T18:53:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\"},\"wordCount\":511,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"keywords\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\",\"name\":\"Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"datePublished\":\"2013-09-26T05:30:43+00:00\",\"dateModified\":\"2024-05-02T18:53:34+00:00\",\"description\":\"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney\",\"breadcrumb\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance Broker Negligence in New York &#8211; Part 1\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"name\":\"Property Insurance Coverage Law Blog\",\"description\":\"The Policyholder&#039;s Advocate\u00ae\",\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"alternateName\":\"Merlin Law Group Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\",\"name\":\"Merlin Law Group\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"contentUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"width\":1100,\"height\":285,\"caption\":\"Merlin Law Group\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MerlinLawGroup\/\",\"https:\/\/x.com\/MerlinLawGroup\",\"https:\/\/youtube.com\/merlinlawgroup\",\"https:\/\/www.linkedin.com\/company\/merlin-law-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/2de4d02166df83c8d52df1a1661fbd78\",\"name\":\"Merlin Law Group\",\"sameAs\":[\"https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog","description":"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/","og_locale":"en_US","og_type":"article","og_title":"Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog","og_description":"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney","og_url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/","og_site_name":"Property Insurance Coverage Law Blog","article_publisher":"https:\/\/www.facebook.com\/MerlinLawGroup\/","article_published_time":"2013-09-26T05:30:43+00:00","article_modified_time":"2024-05-02T18:53:34+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/12\/share-merlin-law-group.jpg","type":"image\/jpeg"}],"author":"Merlin Law Group","twitter_card":"summary_large_image","twitter_creator":"@MerlinLawGroup","twitter_site":"@MerlinLawGroup","twitter_misc":{"Written by":"Merlin Law Group","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#article","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/"},"author":{"name":"Merlin Law Group","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/2de4d02166df83c8d52df1a1661fbd78"},"headline":"Insurance Broker Negligence in New York &#8211; Part 1","datePublished":"2013-09-26T05:30:43+00:00","dateModified":"2024-05-02T18:53:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/"},"wordCount":511,"commentCount":2,"publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"keywords":["Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/","name":"Insurance Broker Negligence in New York - Part 1 | Property Insurance Coverage Law Blog","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website"},"datePublished":"2013-09-26T05:30:43+00:00","dateModified":"2024-05-02T18:53:34+00:00","description":"September 26, 2013 Having just joined Merlin Law Group&rsquo;s New York office, I would like to introduce myself to the property insurance blog community. I am an attorney","breadcrumb":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-broker-negligence-in-new-york-part-1\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.propertyinsurancecoveragelaw.com\/"},{"@type":"ListItem","position":2,"name":"Insurance Broker Negligence in New York &#8211; Part 1"}]},{"@type":"WebSite","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","name":"Property Insurance Coverage Law Blog","description":"The Policyholder&#039;s Advocate\u00ae","publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"alternateName":"Merlin Law Group Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization","name":"Merlin Law Group","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","contentUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","width":1100,"height":285,"caption":"Merlin Law Group"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MerlinLawGroup\/","https:\/\/x.com\/MerlinLawGroup","https:\/\/youtube.com\/merlinlawgroup","https:\/\/www.linkedin.com\/company\/merlin-law-group\/"]},{"@type":"Person","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/2de4d02166df83c8d52df1a1661fbd78","name":"Merlin Law Group","sameAs":["https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/"]}]}},"_links":{"self":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/9496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/comments?post=9496"}],"version-history":[{"count":0,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/9496\/revisions"}],"wp:attachment":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media?parent=9496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/categories?post=9496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/tags?post=9496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}