Mugglin, J.
In 1988 and 1989, Richard Anderson and his wife, Rae Anderson, were conducting their trucking business as a proprietorship. Because they planned to add employees, they contacted third-party defendant, Haylor, Freyer & Coon, Inc., to obtain workers' compensation insurance. At that time, the only underwriter in the State from which the insurance could be obtained was plaintiff and Haylor obtained the requested policy. In 1990, the Andersons incorporated...
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