Florida Caverns bought the RV park out of bankruptcy in September 2018. Its owner, Erwin Jackson, contacted Leavitt Recreation, a broker specializing in insurance for RV parks and related businesses, to arrange commercial property insurance. Jackson testified that he provided Leavitt with detailed information about the park’s operations, including a map showing all sites with utility hook-ups – electricity, water, sewer, internet, and cable. He said he asked for whatever coverage would be adequate to protect against damage and loss to the business premises, not just lost income. Jackson denied that he would have rejected additional coverage for a higher