Who has a legal duty of care to the proposer when arranging building insurance through an insurance broker?

The broker who acts as the agent has a legal duty of care to the proposer when arranging building insurance. This duty arises from the broker's role as an intermediary between the client (the proposer) and the insurance company. Brokers are required to act in the best interests of their clients, ensuring they provide appropriate insurance solutions and adequately represent the client's needs and risk profile to the insurers.

In this capacity, the broker must gather relevant information, offer suitable advice, and ensure that the client understands the terms and conditions of the insurance policy being considered. This duty underscores the importance of the broker's role in protecting the client from potential losses that could arise from inadequately covered risks. By fulfilling this responsibility, the broker helps the client make informed decisions, reinforcing the trust placed in them during the insurance procurement process.