SMITH, Judge.
Citizens Bank & Trust Company (Citizens) brought suit against Saunders, Stuckey and Mullis, Inc. (SSM), an independent insurance agency, and Horace Mullis, SSM's president and employee agent, seeking damages for Mullis's alleged negligence, breach of fiduciary duty, and fraud in representing to Citizens that certain insurance coverage had been procured when, in fact, it had not. After denying SSM's first two motions for summary judgment, the trial...
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