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Agent Disclosures of Known Hazards

If an agent is aware of a known hazard at an insured's business, is there an obligation to advise the insurance company? Does the agent or company have an obligation to advise the insured of what could be a life-threatening condition or major property loss exposure? Given the recent lawsuits arising out of the Warwick, RI nightclub fire, this could be a critical E&O question.

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