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4709 An insurance broker has no duty to provide or recommend coverage other than that requested by a customer unless the broker misrepresents the scope of coverage being provided, fails to procure the kind of coverage requested, or assumes an additional duty by agreement or by holding him/herself out as an expert in the field of insurance involved; course of construction insurance ordinarily does not include liability coverage, and a customer who requested a course of construction policy could not reasonably believe that the handwritten word "liability" on an explanation of premium form for a course of construction policy meant liability coverage was included; the handwritten the word did not impose on the broker a duty to provide such coverage; inclusion of a description of liability coverage in the coverage form the customer received after purchasing the policy did not impose a duty on the broker, because the customer could not have relied on it when ordering the policy.CitationROBERTS v ASSURANCE CO (Broker's Duty) 163 CA4 1398 [See: CivC 1714; Rowland v Christian 69 C2 108; Fitzpatrick v Hayes 57 CA4 916, T/AT 10/97]
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