Failure to procure coverage for a client when it has been promised is negligence and may cause the agent to be liable for loss or damage?

Yes, failing to secure promised coverage for a client constitutes negligence, as it breaches the duty of care that an agent owes to their client. If a loss or damage occurs as a result of this oversight, the agent may be held liable for the financial repercussions. Clients rely on agents to protect their interests, and failing to deliver on assurances undermines that trust and can lead to legal consequences. Thus, it is essential for agents to diligently ensure that all promised coverage is obtained.