Problem:
Grace is a commercial lines producer at Midtown Insurance Brokers. She submitted an application to Insurance Company (IC) on behalf of a client. The underwriter at IC, Dave, is concerned that the building is located in an undesirable, higher-risk area of town. Dave explains his concerns to Grace and asks her to personally inspect the client's premises and take photographs to send to IC. Grace inspects the premises and finds that the building is in poor repair, and the adjacent buildings on both sides are old, wood-framed, and vacant. There is evidence that street people are living in one. Grace carefully takes photographs of the most flattering views of her client's building and sends them to Dave. She feels she wants to do the best she can for her client, so she does not tell Dave that the building is in poor repair or even mention the adjacent buildings.