An insurance agent can be held responsible under certain circumstances for damages. The agent owes a legal duty to exercise good faith and reasonable diligence to secure insurance coverage.
If the insurance agent fails to secure the insurance coverage requested or negligently misrepresents the type of coverage that was promised, then the agent may be held liable.
The agent may also be liable if he did not secure the amount of coverage requested by the customer.
It is always important to read your insurance policy, as the failure to read the policy may be held against you in an action against the agent.