--- title: "Insurance Expert’s Breach-of-Duty Testimony Admitted" meta: "og:description": "The insurance expert was allowed to opine on the breach of a professional duty of care" "og:title": "Insurance Expert’s Breach-of-Duty Testimony Admitted" author: "Expert Witness Profiler" description: "The insurance expert was allowed to opine on the breach of a professional duty of care" --- # Insurance Expert’s Breach-of-Duty Testimony Admitted Posted on February 17, 2026 by Expert Witness Profiler On May 19, 2023, Plaintiff John Gianacopoulos filed this action against Defendants Acuity, a mutual insurance company (“Acuity”), and Joyce Jackman & Bell, LLC (“JJB”), concerning a fire that occurred on September 12, 2022, at 1124 Saint Ann Street in Scranton, Pennsylvania (the “Scranton Property”). According to Plaintiff’s expert witness, [James Stevenson](https://expertwitnessprofiler.com/expert-witness/James-Stevenson/1572330), JJB breached its professional duty of care by failing to procure the correct policy for John Gianacopoulos and by failing to explain the differences in coverage between a homeowners’ insurance policy and a dwelling fire insurance policy. JJB has moved to exclude Stevenson’s expert report and testimony, arguing that they are inadmissible because it lacked the requisite reliability and application to the specific facts of this case in violation of [Rule 702](https://www.law.cornell.edu/rules/fre/rule_702#:~:text=Rule%20702%20sets%20forth%20the,is%20a%20relatively%20narrow%20inquiry.). ## **Insurance Expert Witness** [James W. Stevenson](https://expertwitnessprofiler.com/expert-witness/James-Stevenson/1572330) is an underwriter, consultant, and broker with over thirty years of experience in the insurance field. [Want to know more about the challenges James Stevenson has faced? Get the full details with our Challenge Study report](https://expertwitnessprofiler.com/order/add?eId=1572330&pId=3). ## **Discussion by the Court** Stevenson’s opinion is supported by his “education, training, experience and expertise in the property and liability insurance industry over the past [thirty-seven] years,” and, moreover, his opinion concerned facts pertinent to this case. He stated in his report that JJB should have been aware of the Plaintiff’s changed residence and that “once [JJB] was made aware that John Gianacopoulos had purchased a new home and was making it his residence, [JJB] was or should have been aware that the [Scranton Property] was no longer [his] residence.” As a result, the Court found that Stevenson has satisfied both contested prongs of Rule 702. He further opined that JJB breached its duty by failing to procure the correct policy for the Plaintiff’s Scranton Property—a dwelling fire insurance policy—that would have provided property coverage for the fire loss at the property. Stevenson also explained in his deposition that “it’s up to the agent, being the trained expert they are in the insurance industry, to recommend or explain the coverages available and the policies available to the insured/prospect,” and that JJB had an obligation to advise the Plaintiff in this action because “[y]ou can’t have two homeowners’ policies with primary residences.” ## **Held** The Court denied JJB’s motion to exclude the testimony of James Stevenson. ## **Key Takeaway** The expert’s testimony must be relevant to the purpose of the case and must assist the trier of fact. Stevenson’s opinion, as expressed in his report and at his deposition, created a genuine dispute of material fact as to the duty that JJB owed the Plaintiff, which must be determined by the factfinder. ## **Case Details:** --- ## **You Might Also Like** ![Corrections Expert's Standard of Care Testimony Admitted](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-23T161938.085.jpg) [**Corrections Expert’s Standard of Care Testimony Admitted**](https://expertwitnessprofiler.com/insurance-experts-breach-of-duty-testimony-admitted/corrections-experts-standard-of-care-testimony-admitted)![Human Resources Expert Allowed to Opine on Termination](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-22T200052.311.jpg) [**Human Resources Expert Allowed to Opine on Termination**](https://expertwitnessprofiler.com/insurance-experts-breach-of-duty-testimony-admitted/human-resources-expert-allowed-to-opine-on-termination)![Neuropsychology Expert Not Allowed to Opine on Cognitive Decline](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-22T144728.528.jpg) [**Neuropsychology Expert Not Allowed to Opine on Cognitive Decline **](https://expertwitnessprofiler.com/insurance-experts-breach-of-duty-testimony-admitted/neuropsychology-expert-not-allowed-to-opine-on-cognitive-decline)![Human Factors Expert Not Allowed to Opine on the Tile](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-21T191749.960.jpg) [**Human Factors Expert Not Allowed to Opine on the Tile**](https://expertwitnessprofiler.com/insurance-experts-breach-of-duty-testimony-admitted/human-factors-expert-not-allowed-to-opine-on-the-tile)![Insurance Expert Not Allowed to Opine on Legal Duties](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-21T155751.487.jpg) [**Insurance Expert Not Allowed to Opine on Legal Duties**](https://expertwitnessprofiler.com/insurance-experts-breach-of-duty-testimony-admitted/insurance-expert-not-allowed-to-opine-on-legal-duties)