My question involves insurance law for the state of: Colorado and Hawaii
Say you are moving internationally and the moving company offers you insurance to cover your items. They email you the forms and fill them out correctly and pay the cost. Something happens to your stuff and you file a claim. You get denied because the moving company made an admin error and gave you their old insurance companies outdated forms. They might have been able to cover you had the legal terminology been the same as the forms you should have gotten, but being that it wasn't, you did not have the forms filled out correctly for that insurance companies requirements. Of course the moving company admits to the admin error but wont help.
What would this be called? Negligence, breech of contract, fraud, bad faith? Clearly they are at fault, but I am not sure what to call it.