Shicara owns a jewelry store. In exchange for a discount on her burglary insurance premium, she promises the insurer that her trained guard dog will be on the premises at all times, even when the store is closed
One evening she takes the dog home with her instead of leaving him at the store, and a burglar breaks in and steals everything. The insurance company finds out the dog wasn't in the store when the burglary happened, and denies the claim. WHY does the insurer do this?
A) Because Shicara committed a material misrepresentation
B) Because Shicara breached a warranty
C) Because Shicara committed a concealment
D) Because Shicara violated the principle of adhesion
B
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