Policy characterizations, coverage statements, descriptions, or representations contained within this web site are brief descriptions only and are not coverage bearing in anyway. Insurance coverage and policy change requests cannot be bound or changed via submission of any online form, application, or email via the website. No binder, insurance policy, change, addition, and/or deletion of insurance coverage goes into effect until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us via online communication or quote request forms. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued.