This Legal & Regulatory Disclosures page applies to all content, pages, forms, and communications on the Covura Insurance Group, LLC  website (the “Website”).

Covura Insurance Group, LLC is an insurance agency and risk-management firm. All content on this Website is provided for general informational and marketing purposes only and is not intended to constitute a binding offer, solicitation, or guarantee of coverage, benefits, pricing, or outcomes.

Insurance coverage is subject to policy terms, conditions, exclusions, limitations, and underwriting approval by the issuing insurance carrier. No insurance coverage is bound, modified, or confirmed unless and until expressly agreed to in writing by an authorized insurance carrier.

Insurance services described on this Website are offered only in jurisdictions where Covura Insurance Group, LLC and its representatives are properly licensed, or through appropriately licensed affiliates or referral partners.

Certain services referenced on this Website — including but not limited to life insurance, health insurance, employee benefits, executive benefits, deferred compensation, and related insurance programs — may not be offered directly by Covura Insurance Group, LLC at this time and may instead be facilitated through licensed third-party professionals.

Nothing on this Website should be interpreted as a solicitation, negotiation, or placement of insurance in any jurisdiction where Covura Insurance Group, LLC or its representatives are not properly licensed.

Life insurance, health insurance, and employee benefits services referenced on this Website may be offered through licensed affiliates or referral partners and are subject to applicable state licensing and regulatory requirements.

Covura Insurance Group, LLC does not solicit, negotiate, or place life or health insurance coverage unless and until all applicable licensing requirements are satisfied. Availability of such services is subject to regulatory approval, carrier underwriting, and jurisdictional limitations.

Covura Insurance Group, LLC is not a registered investment adviser and does not provide investment advice, securities recommendations, or advisory services.

Any references on this Website to financial planning, advisory services, retirement planning, deferred compensation, wealth strategies, or investment-related concepts are provided for general informational purposes only. Where appropriate, clients may be referred to independently registered investment advisers, broker-dealers, or securities professionals who are properly licensed and regulated.

Any investment advisory or securities-related services are provided solely by those third parties and not by Covura Insurance Group, LLC.

Covura Insurance Group, LLC does not provide legal, tax, accounting, or estate-planning advice.

Any references on this Website to business planning, succession planning, buy-sell agreements, executive compensation, deferred compensation, estate planning, wealth transfer, or legacy planning are made solely in connection with insurance considerations. Clients must consult their own qualified attorneys, certified public accountants, and tax advisors regarding all legal, tax, contractual, and ownership matters.

Insurance products represent only one component of any comprehensive legal, tax, or business planning strategy.

References on this Website to buy-sell agreements, executive life insurance, key person insurance, succession planning, leadership planning, or business continuity do not constitute legal drafting, tax structuring, or business advisory services.

Covura Insurance Group, LLC is limited to discussing insurance products that may be used in connection with such arrangements, in coordination with the client’s independently retained legal, tax, and financial advisors. All agreements, structures, and planning outcomes are determined solely by those advisors and the client.

With respect to employee benefits and group insurance services, Covura Insurance Group, LLC acts solely as an insurance broker.

Covura Insurance Group, LLC does not act as an ERISA fiduciary, plan administrator, investment adviser, or trustee. All information provided regarding employee benefit plans is general in nature. The terms of the applicable plan documents and insurance contracts govern all benefits and coverage.

Covura Insurance Group, LLC may refer clients to third-party professionals, including insurance producers, benefits consultants, investment advisers, attorneys, accountants, or other service providers.

Such third parties are independent of Covura Insurance Group, LLC and are solely responsible for the services they provide. A referral does not constitute an endorsement, guarantee, supervision, or control of any third-party services. Clients are under no obligation to engage any referred provider and should independently evaluate all professional advisors.

If any referral compensation is received, such compensation will be disclosed as required by applicable law.

Use of this Website, submission of information through this Website, or participation in any introductory consultation does not create a fiduciary, advisory, attorney-client, accountant-client, or consultant-client relationship.

Any guidance provided by Covura Insurance Group, LLC is limited to insurance considerations only and should not be relied upon as legal, tax, accounting, investment, or fiduciary advice.

This Website may contain marketing statements, descriptions of services, or testimonials intended to provide general information about Covura Insurance Group, LLC.

Any examples or testimonials, if provided, are illustrative only. Individual results vary and are not guaranteed. No representation is made that any client will achieve similar outcomes.

Information on this Website should not be relied upon as a substitute for individualized insurance analysis. Coverage decisions should be made only after consultation with a licensed insurance professional and review of the applicable insurance policy documents.

Covura Insurance Group, LLC is committed to making its Website accessible to all users. If you experience difficulty accessing any content on this Website, please contact us so we may provide assistance or alternative access.