Legal Question in Insurance Law in California

misrepresentation by insurance broker

I own a glass co. & have been named in a class action suit. My scope of work for home builders is basically replacing glass in windows. The windows have been previously installed by other contractors, but broken/scratched due to vandalism or construction damage. The claims adjuster states I am not covered. I have worked with my broker for yrs & he definitely knows my scope of work and what coverage I need. He completed the applications & presented me the sig page to sign with verbal assurance of coverage because we only did maint, & repairs Not installation of original windows. Now he says that I didn't have ins. to work on tract homes & that it would have been expensive to have additional ins. He never presented actual paperwork, but along with his verbal reassurance, I felt confident because of certificates from ins carriers. Home builders require certificate of ins. prior to work being performed. What concerns me is my broker has admitted to marking �no� on the questionnaire inquiring if we work on tract homes. According to the Ca Ins Code Sect 780-781, is this misrepresentation? What can I do to cover myself now or with potential future class actions?

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