GREEN, J.
At the plaintiffs' request, the defendant Inland Underwriters Insurance Agency, Ltd. (Inland), arranged in September, 1990, for the renewal of a blanket fire insurance policy covering numerous commercial properties owned by the plaintiffs, including property located at 418 Worcester Road in Wellesley (Wellesley property). At the time of renewal the Wellesley property had been vacant for more than sixty days,
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