Everything we publish is general information for insurance professionals. It is not legal advice, coverage advice, underwriting advice, tax advice, investment advice or a recommendation to buy, sell, adopt or avoid any product.
Nothing here creates an attorney–client, agent–client, broker–client or any other professional relationship. Insurance forms, endorsements, bulletins and statutes differ by carrier, by program, by state and by edition date. What applies to you is decided by your own policy forms, your own regulator and your own counsel, not by anything on this site. Read your own forms; ask your own lawyer, agent, broker or carrier before you act.