Legal Statement
Disclaimer
Information on this website is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave this site, either by using a link we may have provided for your convenience or by specifying your own destination, PHD Insurance Brokers, Inc and it affiliates accepts no responsibility for the content, products and/or services provided at these non-PHD Insurance Brokers, Inc locations. PHD Insurance Brokers, Inc. and it affiliates does not control, endorse, promote or have any affiliation with any other website unless expressly stated herein.

Limitation of Liability
IN NO EVENT WILL PHD Insurance Brokers, Inc AND IT AFFILIATES BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THIS WEBSITE, OR ANY OTHER HYPER-LINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.
Changes to This Site
Information may be changed or updated without notice. PHD Insurance Brokers, Inc and it affiliates has no obligation to update information presented on this website, so information contained herein may be out of date at any given time. PHD Insurance Brokers, Inc and it affiliates may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.

Products and Services Offerings
"PHD Insurance Brokers, Inc. " is the brandname used for products and services provided by one or more of the PHD Insurance Brokers, Inc.  group of subsidiary companies. These companies include PHD Insurance Brokers, Inc and its affiliate PHD Insurance Brokers, Inc. Restaurants
The product and/or services descriptions, if any, provided on this site are not intended to constitute offers to sell or solicitations in connection with any product or service. All products and services are not available in all areas and are subject to applicable regulation.
Anyone interested in a particular product or service should contact PHD Insurance Brokers, Inc to determine whether the product and/or service is available in their jurisdiction.

Trademarks
The PHD Insurance Brokers, Inc. logo, PHD Insurance Brokers, Inc and it affiliates, PHD Insurance Brokers, Inc. Restaurants  and all other trademarks, service marks, trade names, logos, domain names, URLs and icons ("Marks") appearing on this website, registered or not, are the property of PHD Insurance Brokers, Inc.  and it affiliates or their respective owners. Nothing on this website grants you any right or license to use any of the Marks on this site without the express written permission of PHD Insurance Brokers, Inc. Unauthorized use may violate trademark and other laws.

Not a Solicitation
Nothing in this site should be construed as a solicitation or offer to purchase coverage from PHD Insurance Brokers, Inc and it affiliates or any of its affiliated companies.

Not a Substitute for Professional Insurance Advice
The insurance and risk management information contained in these websites (e.g., PHD Insurance Brokers, Inc and it affiliates PHD Insurance Brokers, Inc. Restaurant) is general in nature and is not a substitute for professional insurance advise. It is not meant to replace the advice of an independent insurance agent. If you have specific insurance needs or questions, please call PHD Insurance Brokers, Inc. .