In Two Rivers Dredge & Dock Co. v. Maryland Casualty Co., 168 Wis. 96, 169 N.W. 291 (1918), the insurer failed to inform its insured that the state of Ohio had crafted a worker's compensation law. The law effectively nullified any coverage under the contract for accidents occurring in Ohio. The insured alleged that estoppel existed because the insurance company knew about the worker's compensation law in Ohio, knew the insured did not know about it and failed to so inform the insured. See Two Rivers Dredge & Dock, at 99. As a result, the insured continued to rely on its belief that there was no worker's compensation law in Ohio and was harmed when a worker was killed in Ohio and coverage was denied. See id.