particular insurance but fails to do so or fails to inform the insured that the delivered policy is not the one requested so that the insured can make a knowledgeable decision whether to accept the policy or pursue other insurance, the broker has breached its fiduciary duty to exercise reasonable care, skill and diligence in procuring insurance. But neither agents nor brokers have a duty to advise the insured on its insurance needs or on the availability of particular coverage, unless they specifically agree to do so. See, e.g., Jones v. Kennedy, 108 S.W.3d 203, 208 (Mo.App.2003) (reaffirming that an agent has “no duty ... to inform [the insured] of the availability and advisability” of obtaining particular coverage); Manzella v. Gilbert-Magill Co., 965 S.W.2d 221, 226-27 (Mo.App.1998) (<HOLDING>); Farmers Ins. Co., Inc. v. McCarthy, 871
holding that under georgia law a holder of a master insurance policy is an agent of the insurance company and not the insurer holding that insurance broker is generally agent of insured holding that an insurance policy providing that the insurance company would pay all reasonable expenses incurred by the insured at our request emphasis omitted did not establish an agreement that the insurer would cover attorney fees and costs to the insured in a declaratory action holding insurance agent has no duty to advise insured of amount of insurance necessary to cover all potential losses holding that legal injury occurred for purposes of negligence action against insurance agent when insurance company rejected the claim