Scenario:

Jade runs a small business. A new insurance broker asks if he can help Jade get better insurance rates and insurance.

Jade says, "Here are my current insurance policies. If you can get a better price, you can get my insurance business." The broker comes back with a quote that is 8% less for the same coverage.

Jade transfers his business. 6 months later, Jade has a loss that is not covered by his insurance.

Jade blames the broker, and sues for the lack of advice. Evaluate whether the broker was supposed advise Sam.