Agent & Broker Negligence story. Grover Products manufacturers and sells the air horns for trucks and fire engines. Grover Products sued its insurance broker for negligence. After a fire destroyed one of its interdependent manufacturing buildings, it was discovered that the insurance coverage for loss of business income for the burned building was inadequate. It appeared that the broker had transposed the business income numbers on two of the buildings, resulting in too much coverage for the office building and too little for the manufacturing building. On the eve of trial, the case settled at mediation.