Insurance cannot be bound or changed via submission of email or on-line application/form. No binder, insurance policy, change or addition to coverage goes into effect until confirmed by our office or the insurance company in writing. Any proposal of insurance we may present to you will be based upon the values developed and exposures that were disclosed to us. All insurance coverages are subject to the terms, conditions, and exclusions of the actual policy form(s).

Please contact our office to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Rather, it is advised that personal and financial information be relayed to us by phone or fax.

Written material relative to the insurance industry, insurance coverage, or information pieces on this website provide general information only and we do not warranty its accuracy. Clients should consult our office or a licensed insurance representative as to how these coverages or information pertains to their specific needs or situation. Any hypertext links to other sites or vendors are provided for convenience only. We have no control over these websites or vendors and cannot endorse nor guarantee their accuracy.

Information provided on this website is intended for educational or illustrative purposes only and should not be construed to communicate legal or professional advice. You should consult your legal or other professionals with regard to any specific questions you may have.