Ind. Restorative Dentistry, P.C. v. Laven Ins. Agency, Inc.
Annotate this CaseIndiana Restorative Dentistry, P.C. (“IRD”) insured its dentist’s office under a policy issued by ProAssurance Indemnity Company, Inc. (“ProAssurance”) and procured through the Laven Insurance Agency, Inc. (“Laven”). After a fire destroyed the entire IRD office, IRD discovered that the contents coverage of its insurance policy was inadequate to cover its loss. IRD sued ProAssurance and Laven in tort and contract. The trial court granted partial summary judgment for ProAssurance, concluding that Laven had no duty to advise based on a special relationship, that Laven had no contractual duty to procure insurance that would have fully covered the fire losses, and that ProAssurance was not vicariously liable for the alleged acts or omissions of Laven. The Supreme Court affirmed in part and reversed in part, holding (1) genuine issues of material fact remained regarding the existence of a special relationship between IRD and Laven and, consequently, a duty to advise; and (2) Laven had no duty to procure full coverage because there was no evidence showing a “meeting of the minds” on an implied contract requiring Laven to procure a policy that would cover all losses to office contents.
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