The operators of a family-owned agricultural equipment dealership near Lethbridge requested comprehensive coverage for their commercial property and operations when they first engaged their insurance broker in the late nineteen-eighties. The broker placed coverage with a regional insurer that had delegated binding authority to the brokerage for certain classes of commercial risk in southern Alberta. Over the decades, the business expanded from a single showroom and repair facility into a multi-site operation with satellite locations in Medicine Hat and Brooks, a fleet of service vehicles, a parts warehouse, and a seasonal equipment rental division serving farmers across the prairies. The broker conducted periodic reviews but never systematically reassessed whether the original policy structure remained adequate for the transformed enterprise. When a propane explosion destroyed the parts warehouse and damaged stored equipment inventory worth nearly eight hundred thousand dollars, the insurers denied a substantial portion of the claim on the basis that the warehouse facility had never been properly scheduled on the policy and that certain inventory values exceeded the sublimits stated in the declarations. The insured business brought proceedings against the broker for professional negligence, alleging that the broker had failed to ensure that coverage kept pace with the business's growth. The broker, in turn, sought contribution from the insurer, arguing that the insurer's underwriters had received renewal applications reflecting increased premium volumes and should have inquired into the underlying risk profile. The insurer defended on the basis that it had issued precisely what was applied for and that any advisory shortfall rested with the broker who held the client relationship. This dispute crystallized a question that arises with regularity in Alberta insurance litigation: when a coverage gap leaves an insured partially or wholly unprotected, how do courts allocate responsibility between the broker who advised the insured and the insurer who issued the policy?