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Terms of Use

Informational purpose

The content on this website is provided for general informational and educational purposes. It is not legal advice, not a recommendation regarding any specific association, and not a statement that any particular coverage applies to any particular loss.

No coverage or binding authority

Submitting a form, sending a message or communicating through this website does not bind, alter or terminate insurance coverage, and does not create a broker-client relationship. Coverage is effective only when confirmed in writing by an authorized representative and the applicable insurer.

Policy language controls

Descriptions of coverage on this site are summaries. Coverage depends on the specific policy language, endorsements, the facts of the loss and applicable law. In all cases the issued policy controls.

No guaranteed outcomes

Nothing on this site promises particular pricing, terms, underwriting results or claim outcomes. Market conditions, carrier appetite and the facts of each risk determine results.

Third-party links

Links to third-party websites are provided as a convenience. We are not responsible for their content or practices.

Intellectual property

Content, marks and materials on this site are owned by The Duncan Group or its licensors and may not be reproduced without permission.

Licensing

Insurance products and services are offered through The Duncan Group in jurisdictions where it is properly licensed.