Terms for using this site
Use this website as a starting point for a coverage discussion, with the following boundaries.
What the website provides
Kearny Risk publishes general information about commercial insurance and professional-service agreements. Illustrative situations explain review questions; they are not descriptions of a client result, an available policy or an assurance that a loss will be covered.
The policy and the agreement
An insurer’s issued policy and endorsements, together with applicable conditions and the facts of a matter, determine coverage. Website explanations and certificates do not replace that wording. Consult your own counsel about legal duties, indemnity provisions and the enforceability of contract terms.
Proposals and availability
Any insurance proposal is subject to the terms presented for that engagement, underwriting and availability. The site makes no promise of a particular premium, acceptance, response time or outcome. Obtain confirmation through the procurement process before relying on insurance being in effect.
Reporting an incident
Follow the reporting instructions and deadlines in your policy. Preserve relevant records and use the designated reporting channel for an incident, demand or circumstance.
Using links and materials
External scheduling services operate under their own terms. You may use these pages to inform your own business review, but must not present the brand, illustrations or written material as your own or imply an endorsement. Refer to the contact page for the currently available communication route.