Howard W. Phillips & Co. ("HWP”) makes reasonable efforts to present accurate and reliable information in this World Wide Website in the domain "www.hwphillips.com" ("Site"). However, HWP is not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor is HWP responsible for the timeliness of the information.

The information in this Site is not intended to provide specific advice about individual or business insurance questions, and it is not a substitute for users’ independent research and evaluation of any insurance product. In all cases, users should conduct their own investigation and analysis of the information contained in this Site.

All of the information in this Site is provided "as is" without warranty of any kind. HWP makes no representations of any kind and disclaims all express, implied, statutory or other warranties of any kind to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose.

HWP shall have no tort, contract or any other liability to users of this Site and/or to any other party. HWP shall not be liable or responsible to users and/or any other party for any loss, damage, cost or expense incurred or which may be incurred, directly or indirectly, by any person relying on the information contained herein, including without limitation, lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if HWP has been advised of the possibility of such damages.
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HWP is in the business of selling insurance products to the public. Links to other sites, other websites or references to products, services or publications, other than those of HWP at this Site, are provided solely as a convenience to users of this Site and do not imply HWP’s endorsement or approval of such websites, products, services or publications. HWP does not endorse, approve, certify or control these external websites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose or correct sequencing of information located at such sites. HWP shall not be liable or responsible to users and/or any other party for any loss, damage, cost or expense incurred or which may be incurred, directly or indirectly, by any person relying on the information contained in such sites or arising from any act, negligence or omission of third parties in providing any information or services, including without limitation, lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages.
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Transmission of information via this Site does not constitute valid insurance coverage. Coverage can only be bound after written confirmation from one of our licensed insurance agents.
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