Working with one of our business clients, we exposed a fraudulent insurance scam. A rogue insurance agent was accepting premiums for insurance policies but he never forwarded the premiums to the insurance company. As a consequence, no policies were issued. To cover his tracks, the agent generated phony certificates of insurance. In essence, he was betting that no claims would arise, there would be no need for insurance, and he could simply pocket the premiums. Our client discovered to her dismay she did not have coverage when she called to report a claim. We filed suit and recovered complete indemnity for our client and also recovered fees and costs.