Statements on this website as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound, deleted or modified via submission of any online contact/form/application or via email, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent of Lovitt & Touché. Any proposal of insurance we may present to you will be based upon the information you provide to us. Please contact our office to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this website does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional in your jurisdiction. Any hypertext links to other websites are provided for convenience only; we have no control over those websites and do not endorse or guarantee any information provided thereby.