The information on this website and the documents therein do not convey any legal or professional advice of any kind. The opinions expressed on this website and the documents therein are just that. No warranties, express or implied, of any kind are made, intended or inferred. Nothing contained herein constitutes a recommendation that a particular course of action should be adopted. If specific advice is required or desired, the services of an appropriate, competent professional should be sought.
Unless indicated otherwise, any coverage discussions herein are based on various editions of “ISO standard” policy forms. Programs, coverages, rules, and coverage interpretations presented in this publication may be different from those used by individual insurance companies writing these programs. Contact individual companies for details about their interpretations of the programs discussed herein and/or their own proprietary programs and contracts.
You agree to defend, indemnify, and hold harmless all parties associated with this website from and against all liabilities, claims, damages, and expenses (including reasonable attorney fees and costs) arising out of your use of this material, your breach or alleged breach of this Agreement, or your breach or alleged breach of the copyright, trademark, proprietary, or other rights of said parties.
Copyright 2016-2023 by William C. Wilson, Jr. All rights reserved. All information and content included in this website, including but not limited to (i) test, graphics, logos, icons, or images; (ii) data and content compilations; and (iii) software, is the property of the copyright holders or their content or software suppliers and is protected by United States and international copyright laws.
Information contained in this website may not be reproduced, distributed, transmitted, displayed, published, sold, licensed, or utilized in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information retrieval system, without the express written consent of the author(s).
Information which is copyrighted by and proprietary to Insurance Services Office, Inc. or its affiliates (“ISO Material”) is included in this publication. Use of the ISO Material is limited to ISO Participating Insurers and their Authorized Representatives and other licensees. Use by ISO Participating Insurers is limited to use in those jurisdictions for which the insurer has an appropriate participation with ISO. Use of the ISO Material by Authorized Representatives is limited to use solely on behalf of one or more ISO Participating Insurers.
“Includes copyrighted and proprietary materials of Insurance Services Office, Inc. or its affiliates with its permission. Copyright, Insurance Services Office, Inc. 19__ and 20__. Copyright ISO Properties, Inc. 19__ and 20__.”
Unless indicated otherwise on the post, blog subscribers are free to reprint verbatim (unedited) any of my blog posts as long as you identify the author (usually “Bill Wilson, CPCU, ARM, AIM, AAM”) and include the notice “Copyright 2016-2023 by InsuranceCommentary.com. Reprinted with permission.” Blog posts by “guest authors” and other publications besides blog posts require express authority to reprint. Contact Bill@InsuranceCommentary.com for permissions. I have been asked about reprinting blog posts without attribution for a fee…if you’re interested in using blog posts without attribution, check out the “Articles” section on my Writing page.
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email, blog/newsletter subscription, or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
If you have any questions or concerns, email Bill@InsuranceCommentary.com.