Terms and conditions.

01About this website

This website is operated by Talisman Risk Advisors, a retail insurance brokerage. It provides general information about our services and programs and lets you request quotes and submit applications.

02No coverage until bound

Submitting a quote request or application through this website does not bind, create or change any insurance coverage. Coverage is only in force once confirmed in writing by Talisman Risk Advisors or the insurance carrier, and is subject to underwriting approval and payment of premium.

You may not bind, change or cancel coverage by email, voicemail or online form unless we confirm it in writing.

03General information only

Content on this website is for general information and does not describe every coverage, limit, exclusion or condition. The actual terms of any insurance are set out only in the policy issued by the carrier. Coverage availability varies by state, carrier and individual circumstances.

04Accuracy of information you provide

You agree that information you submit is true, accurate and complete. Insurers rely on this information to make underwriting decisions, and misrepresentation or omission may result in denial of a claim or cancellation of coverage.

05Licensing

[Licensing and regulatory wording: TBC by counsel]

06Third-party content and links

This website may include forms, services or links provided by third parties, such as Cognito Forms. We are not responsible for their content, availability or privacy practices.

07Intellectual property

The Talisman Risk Advisors name, logos, program names and website content belong to Talisman Risk Advisors or its affiliates and may not be copied or used without our written permission.

08Acceptable use

You agree not to misuse this website, including by attempting to gain unauthorized access, interfering with its operation, or submitting false or harmful content.

09Disclaimer and limitation of liability

This website is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Talisman Risk Advisors is not liable for any indirect, incidental or consequential damages arising from your use of the website.

10Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we handle your information.

11Changes to these terms

We may update these terms at any time. Continued use of the website after changes means you accept the updated terms.

12Governing law

These terms are governed by the laws of the state in which Talisman Risk Advisors is headquartered, without regard to conflict-of-law rules.

13Contact us

Questions about these terms? Email us at info@talismanrisk.com.