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DISCLAIMER/DISCLOSURES

Electronic messages sent by RCM&D personnel may contain confidential and legally
protected information, intended only for the use of the individual or entity
named in the message header. The authorized recipient of this information is
prohibited from disclosing this information to any other party and is required
to delete the electronic message after its stated need has been fulfilled.  If
you are not the intended recipient, you are hereby notified that any disclosure,
copying, distribution, or action taken in reliance on the contents of this
electronic message and/or any attachments is strictly prohibited. If you have
received this electronic message in error, please notify the sender immediately
to arrange for your electronic email address to be removed from the sender’s
personal address book and/or distribution list.

All requests to place or change coverage will be confirmed in writing. Coverage
should not be considered bound until you have received such confirmation.

Information provided in this website is for general illustration and/or
informational purposes only and should not be construed as tax or legal advice.
We recommend that a qualified opinion of tax or legal counsel be obtained.

We at RCM&D are not lawyers, but insurance brokers and consultants. Our review
of contract insurance requirements provided to you is not intended to be a legal
review, or to provide legal advice. We review only the insurance sections of
contracts. Should you require legal advice, please consult an attorney.

This website and any attachments hereto may contain protected health information
(PHI) and/or other confidential or proprietary information (collectively the
“Information”). Upon reading this website, you are hereby advised that the act
of reading, reviewing, forwarding or otherwise using this Information
constitutes your agreement to be bound by the obligations and restrictions that
RCM&D or Riggs, Counselman, Michaels and Downes, Inc. has accepted as a Business
Associate of various covered entities.  A copy of these obligations and
restrictions is available from RCM&D or Riggs, Counselman, Michaels and Downes,
Inc.

If you do not agree to keep the Information confidential as described above, you
must not review, retransmit, convert to hard copy, copy and use or disseminate
this website. 

Your continuing effort is essential to accident prevention, regulatory
compliance and control of risks in your workplace. Our assistance may be used as
adjunct in certain areas of that effort, but we assume and have no
responsibility to you or others for the control or correction of conditions or
practices existing at your premises, whether or not listed or not listed in this
report or website. Further, we do not warrant that the completion of any
recommendation in this report will assure that the premises or operations are
safe, healthful or are in compliance with any law, regulation, code or standard.

Notice: This website contains confidential and proprietary information that may
be legally privileged. You must not review, retransmit, convert to hard copy and
use or disseminate this website or any attachments to it. 

RCM&D is an Equal Opportunity Employer (minorities, women, veterans & people
with disabilities).

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