An agency’s client purchased a CGL insurance policy with a $1 million limit. Notably, the client indicated on his CGL insurance application that he operated a small trucking company that hauled exclusively fresh water to various local construction sites. In reliance upon the client’s response on the noted application, the CGL carrier issued the aforementioned policy containing a “professional services “exclusion that precluded coverage for any claim arising from the transportation of waste and flammable materials. Unbeknownst to the insurance agent...

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