INTELLIGENCE & LITIGATION DATA
Independent Agency Intelligence: Litigation Autopsies & M&A Teardowns
Proprietary agency intelligence, real-world E&O negligence autopsies, and transaction teardowns dissected for independent agency principals.
E&O Autopsies
Court rulings, disputes, and operational negligence case studies.
Brown & Brown E&O: The $1.36M Coverage Silence
Reading Time: 4 min | Jurisdiction: Florida Fifth District Court of Appeal (January 2, 2026) | Case Docket: Brown & Brown of Florida, Inc. v. Houligan’s Pub & Club, Inc. et al. (Case Nos. 5D24-2352 & 5D24-2458) Broker Entity Brown & Brown of Florida Procurement Defense Verdict for Broker Surviving Claims Fiduciary Breach & Representation…
Insurance Broker Failure to Procure: A $4.6M Coverage Gap
Reading Time: 4.5 min | Jurisdiction: Superior Court of Pennsylvania (2025) | Case Docket: Alvord-Polk, Inc. v. Strickler Agency, Inc. (No. 915 MDA 2024) Asset at Risk Manufacturing BPP & Equipment Requested Terms Blanket + Agreed Value Claim Shortfall $4.6M (90% Coinsurance) Disposition $4.6M Jury Award — Affirmed The Scenario An application records the coverage…
The $71,000 Total Loss Trap: How a Burned Porsche Exposed the Real Danger of Standard ACV Policies
When a 1974 Porsche caught fire, USAA relied on non-running comps and faced bad-faith litigation. Discover how carrier claim errors exposed the critical risks of standard ACV policies on classic assets.
Deal Teardowns
Agency valuations, retention impact, and private asset transactions.
Insurance Agency Acquisition Financing: The $519K Dispute
Reading Time: 4.5 min | Jurisdiction: U.S. Bankruptcy Court, Western District of Texas (May 19, 2022) | Court Opinion: Wilson v. Silva (Adv. No. 21-05036-cag) Transaction Model Sponsored Acquisition Financing State Court Claim $519,355.68 Plus Costs Collateral Structure Disputed Informal Agreement Adversary Outcome Wilson’s Discharge Challenges Denied The Transaction Background In insurance distribution, an operational…
The $5B Rollover Squeeze: How an Agency Sale Lost Its Equity
The anatomy of a multi-million-dollar equity wipeout: how corporate waterfall structures and rollover clauses turned an agency exit into a $0 forfeiture.