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Disclaimer
Marsh & McLennan Agency LLC (MMA), is part of the family of Marsh McLennan Companies, including Marsh, Guy Carpenter, Mercer, and the Oliver Wyman Group. This document and any recommendations, analysis, or advice provided by MMA (collectively, the “MMA Analysis”) are intended solely for the entity identified as the recipient herein (“you”). This document contains proprietary, confidential information of MMA and may not be shared with any third party, including er insurance producers, without MMA’s prior written consent. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. Any modeling, analytics, or projections are subject to inherent uncertainty, and the MMA Analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. MMA shall have no obligation to update it and shall have no liability to you or any other party with regard to the MMA Analysis or to any services provided by a third party to you or MMA. MMA makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or reinsurers and makes no assurances regarding the availability, cost, or terms of insurance coverage. All decisions regarding the amount, type or terms of coverage shall be your ultimate responsibility. While MMA may provide advice and recommendations, you must decide on the specific coverage that is appropriate for your particular circumstances and financial position. By accepting this report, you acknowledge and agree to the terms, conditions, and disclaimers set forth above.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affected if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change. d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131. Copyright © 2021 Marsh & McLennan Agency LLC. All rights reserved. MarshMMA.com