Court of Appeals of Utah October 15, 2004, No. 20040009-CA (Renegade Oil, Inc. v. Progressive Casualty Insurance Co.)

OPINION

BILLINGS, Presiding Judge:

T1 Universal Business Insurance and Seott Shields collectively Universal appeal from a judgment in favor of Renegade Oil Company Renegade after a bench trial. We affirm.

BACKGROUND

12 On February 25, 2001, Renegade used Universal, an independent insurance agency, to procure .