Thank you for your question. I look forward to working with you to provide you the information you are seeking.
I am sorry to hear that you are going through this. If your insurance agent whom you purchased the policy
from was made aware of the situation and advised you this policy would care for your needs and provide coverage, then YES you do have a legitimate E&O claim against your insurance AGENT, not your co-worker.
Your agent should have known when you told him the situation about what coverage you required and his failure to do so despite you telling him is a violation covered by E&O.
I truly aim to please you as a customer, but please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. Please consider that I am answering the question or question that is posed in your posting based upon my reading of your post and sometimes misunderstandings can occur. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered.
Kindly remember the ONLY WAY experts receive any credit at all for spending time with customers is if you click on OK, GOOD or EXCELLENT SERVICE even though you have made a deposit or are a subscription customer. YOU MUST COMPLETE THE RATING FOR THE EXPERT TO RECEIVE ANY CREDIT, if not the site keeps your money on deposit.
Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.