The statements presented are for informational purposes only and are not intended as a complete listing of coverages, limitations, or exclusions, and we make no guarantees that our Risk Control team can identify all potential hazards or remedial actions. Refer to the policy for an exact description of coverage provided. Availability of coverages and limits may vary by state. FCCI Insurance Group makes no representations and provides no legal advice regarding federal, state, local, or contractual requirements, and shall not be liable for any loss, death, damage, or expense arising out of the use of the suggested risk control measures. If you have questions or concerns regarding any legal issues, please consult your legal adviser.