In Johnson & Higgins of Pennsylvania, Inc. v. Hale Shipping Corporation, 121 Md. App. 426 (1998), the Maryland Court of Special Appeals held that Hale Shipping Corporation ("Hale Shipping") relied on Johnson & Higgins, a marine insurance broker, and therefore, its failure to read the insurance policies did not make Hale Shipping contributory negligent or bar its breach of contract claim.