Legal Disclaimer

This Website is designed to provide accurate and useful information with regard to the subject matters covered at the time the data is loaded. Changes may occur in the information presented and therefore, Richardson & Stout makes no representation or warranty, express or implied, that the information contained in this website is complete, accurate, uninterrupted or error-free, or that the site or its underlying server are free of viruses or other harmful components.

Should a quote be provided, the quote we provide is an estimate based upon the information you provide, but is not an insurance policy or contract. The coverage descriptions on this website provide only a general explanation of available coverages. All coverages are subject to all policy provisions and any applicable endorsements or modifications to the insurance contract. Coverages and their availability may vary by state; additional minimum coverage limits may be required in your state.

To the extent documents contain hypertext links to information created and/or maintained by other companies or other entities, Richardson & Stout has no knowledge and makes no representation regarding the accuracy, relevance, timeliness or completeness of that information. The inclusion of links to other items or places does not reflect either the value of the information contained in such a link or its accuracy, and Richardson & Stout does not endorse any views expressed or products or services offered at a linked location.

Nothing on any Richardson & Stout Website shall be construed as conferring any license under any of Richardson & Stout or any third party's intellectual property rights. Unless otherwise indicated, all material posted on Richardson & Stout Website is the sole intellectual property of Richardson & Stout reserves all rights in same. Copying, publication or distribution of any information on the Website is prohibited except to the extent that authorized users may use the information contained on the Website in connection with the user's business with Richardson & Stout . User shall comply with all applicable laws when accessing the Website or using information published on the Website.

Richardson & Stout shall not be responsible for any errors or omissions contained in this Website, and reserves the right to make changes without notice. Accordingly, all Richardson & Stout and third party information is provided "AS IS" AND Richardson & Stout DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, WITH REGARD TO THE INFORMATION (INCLUDING ANY SOFTWARE) PROVIDED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. In no event shall Richardson & Stout be liable for any damages, whatsoever, and in particular Richardson & Stout shall not be liable for special, indirect, consequential, incidental, or punitive damages, or damages for lost profits, loss of revenue, or loss of use, arising out of or related to any Richardson & Stout Website or the information contained on it, whether such damages arise in contract, negligence, under statute or otherwise.

Any information provided to Richardson & Stout or posted on the Website shall be provided and received by Richardson & Stout on a confidential basis. Richardson & Stout will safeguard, according to strict standards of security and confidentiality, any information its customers share with it. Richardson & Stout will limit the collection and use of customer information to the minimum required to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and administering our business. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. We will not sell your personal information to third parties. We will only share selected information with governmental authorities if required by law or by state insurance departments' regulatory practices.

No solicitations may be placed on Richardson & Stout' Website without the approval of Richardson & Stout. No person accessing the Website may place or create any offensive or disruptive materials. No user shall post any information that infringes on the intellectual property rights of a third party. In the event of such infringement, User shall be liable for all damages associated with or arising out of such infringement or arising from User's violation of these terms and conditions and shall hold harmless, defend and indemnify Richardson & Stout from same.

Richardson & Stout reserves the right to discontinue a user's access to the Website, or to discontinue or change the Website at Richardson & Stout sole discretion. User shall be responsible for appropriately safeguarding passwords issued to User to access the Website and shall be responsible for all damages associated with unauthorized use of a password issued to user by Richardson & Stout and shall hold harmless, defend and indemnify Richardson & Stout for any costs or claims resulting from such unauthorized use.