In an article written by Peter Biging, a Partner in the New York office of Lewis Brisbois Bisgaard & Smith LLP, he notes that Courts considering agent and broker errors and omissions claims are relying more and more on a presumption that agents and brokers are—and present themselves as—experts in insurance coverage.   This trend means that more juries may be charged with deciding whether a very general request for coverage from a customer can form the basis of a claim for negligence or breach of contract against his or her agent or broker when it turns out the customer doesn’t have sufficient insurance to cover a specific loss.