OPINION
TRACY CHRISTOPHER, Justice.
This is a suit by two companies against the insurance agent and agency that procured their insurance from 1991 to 1994. The insured companies asserted that the agent sold them insurance in Texas from a non-admitted carrier without the license and training to do so. They further maintained that one of their insurers became financially unstable, and that the agent's failure to disclose this lack of stability harmed them...
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