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The Special Relationship and the Insurance Producer
Navigating the special relationship minefield is not an easy task, especially since actions the producer innocently perceives as being “value-added” may create a legal duty where none was contemplated. Knowing the elements of the special relationship will allow the producer to decide whether embracing it – as opposed to avoiding it – will enhance the producer’s connection with the client by using the special relationship to inspire a client to focus on aspects of the insurance procurement transaction that does not involve the bottom line. This article makes it clear that the special relationship is not premised on such relationship factors as longevity, social interaction, reliance for non-property and casualty advice or even providing unsolicited advice under most circumstances.