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Informational statements on this website regarding insurance coverage are for general description purposes only. None of the information, which is provided on the website, is a guarantee that insurance will be provided nor that the agency is obligated to procure insurance for you.

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. 

No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via online forms and/or in other communications with us. Requesting coverage does not guarantee coverage can be provided. Omissions or misstatements of relevant information by you, the customer can lead to pricing variation or even declinations or recession of coverage.

Please contact our office at 423-451-8348 to discuss your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have financial, legal or tax related questions, you should contact a professional who specializes in those specific areas. 

These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Any links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.

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