Reversed and remanded.
JUSTICE CHAPMAN delivered the opinion of the court:
Prior to August 1, 1984, plaintiff Ruth Ann Schwartz owned and operated a clothing store under the name of Schwartz Dress and Bridal Shop, in Centralia, Illinois. Steve Schwartz, an independent insurance agent, acting on behalf of Ruth Ann Schwartz, obtained a workmen's compensation policy of insurance for Ruth Ann Schwartz through the brokerage department of Rockford Mutual Agency...
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