Terms of Use
Updated August 13, 2026
Acceptance
By accessing or using this website you agree to these Terms of Use. If you do not agree, please do not use the site.
No offer of coverage or advice
The content on this site is provided for general information only. Nothing on this site is a binder of coverage, an offer or solicitation to insure, or tax, legal, or financial advice. Coverage is bound only through a written agreement with a licensed carrier, and any advice is provided only through a separate engagement.
Accuracy of information
We work to keep the site accurate and current, but we do not warrant that all content is complete, error-free, or up to date. Coverage terms, availability, and pricing are subject to underwriting and can change.
Intellectual property
The site, its content, and its trademarks are owned by us or our licensors and are protected by law. You may view and print pages for your own reference, but you may not copy, republish, or use them commercially without our permission.
Third-party links
The site may link to third-party sites we do not control. We are not responsible for their content or practices, and a link is not an endorsement.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the site. The site is provided on an “as is” and “as available” basis.
Disclosure
Insurance and risk management services are offered through Celadon Insurance Group, a fictitious name (DBA) of Caelus Financial LLC, a licensed Florida insurance agency (licensing details available on request). Caelus Financial LLC is not a registered investment adviser and does not manage client assets.