The information contained herein is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your independent agent. Products and services referenced herein may not be available in all jurisdictions. The information contained herein was believed to be accurate at the time it was posted. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, products, services or other information provided on this site. All information on this site is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting, financial planning, estate planning or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your legal, tax or insurance advisors with respect to your personal situation. AJS Insurance Services, Inc. periodically updates the information on this web site; however, AJS Insurance Services Inc. does not accept responsibility for the timeliness of the information at the time it may be accessed. Links to other internet sites that are not maintained by AJS Insurance Services Inc. may be accessed through this web site. Such external internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of AJS Insurance Services Inc.. AJS Insurance Services Inc. is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein.