Also, is the contract with agency made in the utmost good faith? All limited liablity insurance contracts are ass-U-med made in the utmost good faith with disclosure of all material fact.

Utmost: Of the highest or greatest degree, amount, or intensity; most extreme

GOOD FAITH - Honestly and without deception. An agreement might be declared invalid if one of the parties entered with the intention of defrauded the other.??The duty of each party to an agreement (and all officers, employees, or agents of each party) to act in a fair and equitable manner toward each other so as to guarantee each party freedom from coercion