Insurance:
Insurance varies from policy to policy and from carrier to carrier.  Information provided in this web site or other materials provided is from sources deemed reliable.  Broker/agent makes no warranties or guarantees to how an insurance company may react in any given situation.

Any concepts used in this web site are for conceptual purposes and are not intended to imply that the concept exactly applies to you and your situation.

Prior to all purchases of insurance buyers are encouraged to verify all information and seek counsel with other professionals such as but not limited to legal, accounting, tax, health, financial or planners.

All insurance is underwritten.  Factors affecting underwriting may include but not be limited to age, gender, health status and history, finances, income, business type, years in business, years in profession, education, state of residency, state of application, state of delivery, martial status, family status, hobbies, etc.

Rates quoted are subject to change.

Real Estate:
All property information provided in this web site or other marketing materials is from sources deemed reliable.  All parties involved in a real estate transactions are encouraged to verify all information to their satisfaction.  Brokers and agents do not warranty or guaranty the quality or accuracy of information provided.  All information is subject to change.  Information could change due to economic, environmental and political changes, war, terrorism, natural disasters, deterioration, financial conditions of either the buyer or seller, financial conditions of the lessee or lessor.  Any measurements either in length, size or volume are approximate.  Measurements could vary depending upon method or practice used to gather information.  All buyers, sellers, lessees or lessors are encourage to hire and consult with experts prior to entering a transaction.  These experts may include but not be limited to legal, tax, accounting, geological, political, financial, structural, environmental, engineering and surveying.  Any experts mentioned by agent in no way implies an endorsement of that professional and their abilities.