Monthly Archives: December 2025

Texas Court Affirms No Duty to Advise on Coverage Adequacy: Key Takeaways from Century Surety’s Win

In Century Surety Co. v. EC & SM Guerra, LLC, 5:23-CV-01215-XR-RBF, 2025 WL 2602288 (W.D. Tex. Aug. 21, 2025) aff’2025 WL 2598375 (Sept. 5, 2025), the United States District Court for the Western District of Texas reaffirmed the magistrate’s report and recommendation holding that because the insured received a policy with its requested limits, Century did not breach the insurance contract.  The Court further held that Century had no duty to advise the insured of the adequacy of the coverage for the insured property. About The Author

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About The Property Insurance Law Observer

For more than five decades, Cozen O’Connor has represented all types of property insurers in jurisdictions throughout the United States, and it is dedicated to keeping its clients abreast of developments that impact the insurance industry. The Property Insurance Law Observer will survey court decisions, enacted or proposed legislation, and regulatory activities from all 50 states. We will also include commentary on current issues and developing trends of interest to first-party insurers.

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