In a dispute involving plaintiff-insureds coverage for property damage and business interruption losses, summary judgment in favor of defendant-insurance broker is reversed and remanded, where: 1) defendant failed to meet its threshold burden on the special relationship issue; 2) plaintiffs' awareness of the business interruption limits of $75,000 and $30,000 during the relevant policy years does not defeat her cause of action as a matter of law; and 3) questions of proximate cause and foreseeability should generally be resolved by the factfinder.