In September 2018, the victim reported a larceny to investigators. The victim reported he had received an insurance renewal quote from High Ridge Agency in October 2017 for a full year commercial liability policy and excess coverage umbrella policy. The victim submitted full payment of premiums for both policies in an amount exceeding $33,000. In August 2018, the victim became aware that both policies were cancelled due to non- payment of a finance agreement. The excess liability coverage was canceled in February and the commercial liability coverage in May. The victim then contacted Thomas Massotti, sole agent of High Ridge Agency, and asked about the cancellations. Massotti assured the victim his polices were still in place, but that was…
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