OPINION
Opinion by Justice RICHTER.
This appeal involves a breach of contract claim asserted by Transatlantic Reinsurance Company ("TRC"), a reinsurer on non-standard automobile insurance policies, and intervenor Home State County Mutual Insurance Company ("Home State"), the ceding and fronting carrier, against Gamma Group, Inc. ("Gamma"), the agent responsible for binding and adjusting the policies.
In two issues, Gamma...
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