Disclaimers |
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This website is maintained by Pacific Preferred Insurance Brokers, LLC. We welcome your ideas and suggestions for improvements to these pages.
Pacific Preferred Insurance Brokers LLC, expects that its website information is accurate, that online transactions are secure, and that all material aspects of the site function properly. However, we make no warranties whatsoever in relation to the site, and users rely upon it at their own risk. We specifically disclaim the warranties of merchantability and fitness for a particular purpose. General DisclaimerInformational statements regarding insurance coverage are for general description purposes only. 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. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
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. If there is a discrepancy between information contained herein and your policy, your policy takes precedence. There is no intentionally misleading information contained in this website, however, Pacific Preferred Insurance Brokers, takes no responsibility for errors. We will endeavor to correct or clarify any incorrect information. As a convenience to our users, we offer links to certain websites created and maintained by other public and/or private entities. Pacific Preferred Insurance Brokers, LLC has no control over linked sites and cannot guarantee, or be held responsible for, materials found on other sites. A link to another web site does not mean that we endorse that site. Use of this system is monitored to ensure proper operation, verify the functioning of applicable security features, and for other purposes. Do not attempt to upload, change or place materials on this system, circumvent security features, or use this system for other than its intended purposes. Violators may be subject to prosecution under the Computer Fraud and Abuse Act of 1986 and/or other applicable laws. Use of this system constitutes consent to monitoring. Online Live Chat DisclaimerPacific Preferred Insurance uses LiveChat, Inc. To view their Terms & Conditions, Privacy Policy and Security disclaimers and notices, please visit their website. Pacific Preferred Insurance may keep transcripts of your live chat for quality assurance purposes. Your life chat conversation may be appended to your client profile. Pacific Preferred Insurance does not accept any liability for injury, loss or damage incurred by use of or reliance on the information provided via the live chat service. When using our chat feature, you certify under penalty of perjury that the information you are providing is accurate and true to the best of your knowledge and that you are the person applying for insurance coverage. You also understand and agree that failure to provide us with accurate and truthful information may result in your application for insurance being rejected/returned or coverage ultimately being rescinded or cancelled.
You understand that any person who knowingly and with intent to defraud any insurance company, files and application for insurance with a stolen or illegally obtained credit/debit card or uses the credit/debit card of another without authority, commits an illegal credit card transaction, which is a crime. Third-Party Translation DisclaimerAt times, Pacific Preferred Insurance may use a third-party vendor to provide translation. Translation is provided for purposes of information and convenience only. Pacific Preferred Insurance is unable to guarantee the accuracy of any translation provided by the third-party vendors and is therefore not liable for any inaccurate information or changes in the formatting of the content resulting from the use of the translation service.
Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the information contained in the translated content, please refer to the English version whenever appropriate. Broker of Record DisclaimerWhen we execute the Broker of Record, our agency assumes no responsibility for any deficiencies in the insurance policy until we have had a reasonable opportunity to make a review and to provide recommendations. It is also expressly understood and agreed that we assume no liability for any outstanding premiums or commissions. Failure to provide additional information, when requested, may result in us not being able to perform a complete analysis of the risk and would not provide us with a reasonable opportunity to provide proper recommendations or identify potential deficiencies.
Claim Reporting Notification DisclaimerPolicyholders have a contractual obligation to report losses or incidents that could generate claims to the insurance carrier. Every insurance policy requires the insured to provide the insurer with timely notice of an occurrence and each policy outlines when and how claims need to be reported. Although the exact policy language may vary, phrases such as “promptly,” “immediately” or “as soon as practicable” are quite typical. Prompt reporting to the insurer – no matter how small the claim appears – is a requirement of your policy. While some clients may wish to handle claims internally to avoid reporting to their carrier, any delay in reporting can spell disaster. If a lawsuit is followed, and you have not complied with your policy’s provisions, your coverage and defense may be jeopardized. Report all incidents to protect your rights under your policy. In the case that you feel payment will not be requested, then a claim can always be reported as “notice-only.” By reporting the notice-only loss, you have met the reporting requirements of your policy.
Consent to be Contacted DisclaimerBy entering your information and submitting/sharing it with us through our website, affiliate partners, or by email or text, you agree to receive recurring marketing emails, calls (including artificial or prerecorded voice), and texts at the number or email address you provided Pacific Preferred Insurance Brokers LLC and one or more of our insurance-related marketing partners via an auto-dialer, even if your number is on a Do Not Call list.
Consent is not a condition of purchase; opt-out anytime. Msg & data rates may apply. By submitting/sharing your information, you agree to our Privacy Policy. General Insurance Policy Purchase DisclaimerWhile Pacific Preferred Insurance Brokers LLC (‘PPIB’) has made an effort to secure proposals from a broad range of insurance companies based upon the specifications you’ve provided, we cannot warrant that any particular insurance policy or insurance company will continue to meet your requirements now and in the future.
In addition, we cannot warrant that any particular insurance company’s Best’s Rating or financial condition will continue to remain unchanged in the future. While insurance placement decisions are typically made by our clients without regard to any potential benefit to PPIB, PPIB may secure compensation in a variety of ways for services rendered, which could include service fees, broker fees, policy commissions and/or profit sharing/override commission paid by carriers, as well as interest or other income received from suppliers, vendors, or others. Fraud Statement DisclosureAny person who knowingly and with intent to defraud any insurance company, Pacific Preferred Insurance Brokers, LLC or another person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.
Limited Policy/Contract Insurance Review DisclaimerScope of Review Disclaimer: In the event Pacific Preferred Insurance Brokers LLC performs a limited review of a policy/contract shared with our agency by another person or company, our agency is not providing legal advice or a legal opinion concerning any portion of the insurance contract. Our agency is not undertaking to identify all potential liabilities that may arise under this contract. This review is provided for your information and should not be relied upon by third parties. Any descriptions of insurance coverage(s) are subject to the terms, conditions, exclusion, and other provisions of the policies and any applicable laws or regulations. We strongly suggest that this contract be reviewed by your own legal counsel and/or your own insurance broker who represents you on this particular insurance policy.
Disclaimer of Liability: In no event shall our agent and its related, affiliated, and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the limited contract review. SecurityTo process a payment securely through our chat feature, we use SSL Secure Sockets Layer a security protocol that provides data encryption, server authentication, and message integrity for connections to the Internet, to ensure that account numbers and personal data you provide by using this Web site or our chat feature are not transmitted over the Internet un-encrypted and cannot be viewed by unauthorized individuals. Although we work hard to keep this Web site secure, transferring information over the Internet cannot be guaranteed to be 100% secure and you are providing this information voluntarily and at your own risk.
These Disclaimers were last revised on January 27, 2022 |
