Horenberg Insurance Services, Inc. Legal Disclaimers

1. Policy Terms and Conditions Represented on this Site

We have attempted to reflect the built-in coverages of the insurance products discussed on this site as accurately as possible, however, there are many reasons why a policy from the same carrier and even with the same product name may be different than represented here. Here are some of the reasons why:

Insurance policy coverages, terms, conditions, and limits vary from state to state. New products must be approved for use in most states and are sometimes delayed or changed in the approval process.

Insurance companies regularly update their products. While we will attempt to feature current products, this may not always be the case.

Insurance policies are almost always modified for particular clients. The policy you have or may receive in the future may be restricted by endorsements in the underwriting process.

The policy descriptions on this site are summaries only. You should review your current or future policy for details of coverages, limits, terms, and conditions.

Policy coverages, terms, and conditions must be interpreted in light of specific situations. In a given situation, the coverages represented here may not be available.

Therefore, the policy coverages, terms, limits, and conditions expressed on this site are not a substitute for the review of the actual policy. In the event of a discrepancy between a policy and the descriptions on this site, the coverage, terms, conditions, and limits of the policy will prevail.

2. Risk Management and Loss Control Recommendations

The risk management and loss control discussions on this site are intended as examples and not as advice. Risk management and loss control policies and procedures should be developed individually for each client in conjunction with insurance company or other personnel with the necessary training and experience.

3. Not Advice or an Offer of Insurance.

Nothing on this site should be construed as an offer of insurance or insurance advice. Offers of insurance and insurance advice can only be made after a careful evaluation of the client's needs and then only in accordance with applicable state laws including agent licensing regulations.

4. Not a recommendation as to the claim-paying ability or financial condition of any insurance company.

While we strive to associate ourselves with the country's premier insurance organizations, we have not conducted a review of the financial condition of all of the insurance companies listed on this site and do not warrant the ability of any of these carriers to meet future financial obligations including claim payments.

5. Links

We have attempted to link this site only to reputable organizations with accurate and useful infomation. We do not, however, provide any assurances regarding the content of these sites.

Acknowledgments

Unless otherwise noted below, all of the content of this site is original material with copyright vested in Horenberg Insurance Services, Inc. If you believe any text, graphics, photographs, or copyrightable styles used on this site to be the property of someone else, please notify us and the questionable content will be immediately removed. You can reach us toll free at 800-296-8000 or at (301) 628-4000 or by e-mail to webmaster@insuranceservices.com. Exceptions are as follows:

Insurance company logos are used in accordance with rights granted under agency contracts or by express permission.
The Claim Examples related to the Chubb Forefront product are copyright by The Chubb Group of Insurance Companies and provided to us for the purpose of promoting the ForeFront product.
The Consumer FAQS were developed the Independent Insurance Agents of America for use by their member agents and modified by Horenberg Insurance Services, Inc. for use on this site.
Logos of franchises are the property of the respective franchises and are used with permission.
Our privacy policy contains wording recommended by the Better Business Bureau