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4941 When an insurance agent holds herself out an expert on the insurance needs of a
particular business and fails to recommend worker’s compensation insurance which is required by California law, she is liable to insured for the excess damages insured must pay for injury caused in an accident that would otherwise have been covered by worker’s compensation; fact that insured failed to read policy is irrelevant to the duty of insurance agent whom insured reasonably relied upon. CitationWILLIAMS v HRH INS (Insurance Expert) 177 CA4 624 [See Labor Code §3700; Evid Code § 669; Paper Savers v Nasca 51 CA4 1090, T/AT 1/97]
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