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NOTE: Any information, analyses, opinions and/or recommendations contained herein relating to the
impact or the potential impact of coronavirus/COVID-19 on insurance coverage or any insurance policy
is not a legal opinion, warranty or guarantee, and should not be relied upon as such. As insurance
brokers, we do not have the authority to render legal advice or to make coverage decisions, and you
should submit all claims to your insurance carrier for evaluation as they will make the final determination.
Given the on-going and constantly changing situation concerning the coronavirus/COVID-19
pandemic, this communication does not necessarily reflect the latest information regarding
recently-enacted, pending or proposed legislation or guidance that could override, alter or otherwise
affect existing insurance coverage. At your discretion, please consult with an attorney at your own
expense for specific advice in this regard.