Privacy

We (the owners and users of this website) protect the confidential information collected on this site, if any.  The information is for our use to match your insurance related needs with the most appropriate services, coverage and/or carrier, and will only be shared with the people and/or company you choose to allow us to share.  Your information will not be released or sold to any third parties.

eMail Warning

Information that is transmitted by e-mail over the Internet is not secure and can be intercepted and read by other Internet users.  DO NOT use e-mail to send us private or confidential data about yourself or others.  Additionally, we will not use eMail to transmit responses that contain private or confidential data on a named individual.  No coverage can be Bound via this website, by eMail, or voicemail.

Disclaimers

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind.  The data contained herein is for informational purposes only and is not represented to be error free or the most up to date.  Any links to other sites are provided as a courtesy.  They are not intended to, nor do they, constitute an endorsement by us of the linked materials and/or information.

Despite our efforts to provide accurate information, it is not possible to completely ensure that all information is constantly correct.  The material presented on this server could include technical inaccuracies or typographical errors.  We do not accept any responsibility or liability for any actions taken as a result of using this information.  Further, we assume no responsibility for errors or omissions in the materials and/or information on this website.

The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by us or by other parties.  The information contained throughout this website (including this page) is not an insurance policy or contract of insurance and/or related thereto.  Coverage and issues discussed are for the states and for the types of services that we are licensed in and for (see below) and may not be applicable in other areas.

We are licensed in the states listed in the Licensing Information section below, and do not solicit business for persons, entities, or property outside of this area.

Information contained in this Website is not the policy or contract itself and is designed only to briefly describe aspects of it.   For complete details and important exclusions, please read the policy and any related agreement and/or contract.  It is also not to be deemed the rendering of legal or insurance advice.  If legal advice is sought, please contact an attorney.

This site is provided for general information about all of the different types of insurance and services that we can offer through various sources.  Coverage CANNOT be bound for ANY type of insurance through use of this site or through voicemail messages and alike.  Please contact us via eMail if you have any questions about the terms under which this site is operated, or call us (518/ 878-2444) with any questions.

Licensing Information

Currently hold the following applicable licenses in New York State:

General Lines Insurance Broker (#BR-656989)

Excess Lines Insurance Broker (#EX-656989)

Public Adjuster (#PA-656989)

Life and Health Insurance Agent (#LA-656989)

PLEASE TAKE FURTHER NOTICE

Throughout this website, references are made to "we" and "us" and alike.  The goal is to join forces with like-minded people throughout the United States.  If you  know of such a person in another area that may wish to benefit as well, please let us know. The only licensed individual that directly utilizes and is benefiting from this site currently is Jeffrey Gaul. However, each and every offering herein involves other professionals as well, all of whom will be disclosed upon request and will vary depending on your selected services.

Call 518/ 878-2444 today, or eMail us online to arrange for a free consultation and assessment relating to your insurance loss and/or your insurance needs. Protecting and recovering assets, controlling risks and associated costs may have become more difficult, but choosing the right insurance  professionals is still very simple.