Research informs a decision. It is not the decision.
Reading this site does not create a broker relationship, does not bind coverage, and does not obligate any insurer.
General information only
Everything published here is general educational information. It is not legal, tax, medical, engineering, appraisal, lending, investment, claims, or individualized insurance advice. It does not account for your circumstances, because it does not know them and does not ask.
No relationship is created
Using this site does not create a broker, agent, fiduciary, or advisory relationship with WJB Services, Inc. dba Bollinsure Insurance Services. A relationship begins only if you separately choose to engage the brokerage through its own disclosed intake, and it is governed by that engagement rather than by this site.
Editorial review by a licensed person means that person checked the accuracy and the limits of the page. It does not mean they reviewed your situation, because they have not seen it.
Policy language
Statements about what a policy covers or excludes describe published forms, identified by form name and edition where possible. Your own policy is controlled by the exact form, endorsements, declarations, and state amendments attached to it, which may differ materially from anything described here. Read your own documents and ask your insurer to confirm.
Sources and accuracy
Every material claim is mapped to a source, and every source shows the date it was last checked. Public records, statutes, regulations, and published guidance change, sometimes without notice and sometimes retroactively. A page that was accurate on its review date may not be accurate today, which is why the date is shown on every page and why stale sources are flagged rather than hidden.
If you find an error, report it. Corrections are published with the prior wording intact.
Tools
The tools organize information you enter. They do not submit anything to any insurer, do not accept documents, and do not produce a quote, a determination, or an eligibility result. Everything you type stays in your own browser. Output is a working document for your own use and for the conversation you choose to have next.
Outbound links
Source links open the publisher's own site. Those publishers are independent, their content is theirs, and their terms and privacy practices govern what happens once you arrive. A link is a citation, not an endorsement.
Intellectual property
Cited sources remain the property of their publishers and are linked rather than reproduced, beyond the short quotation needed to show what a source actually says. The original analysis, content model, interface, and methodology of this site belong to WJB Services, Inc.. Quotation with attribution and a link to the canonical URL is welcome, and is described in llms.txt. Republishing pages wholesale under another domain is not.
Changes
These terms may change. Material changes will be dated. Continued use after a change means the current version applies.
Contact
Questions about these terms: quotes@bollinsure.com.