The purpose of this webpage is to provide individuals with information of the various common classes of insurance and are for illustrative purposes only. For accurate information, please kindly refer to policy’s terms and conditions. The webpage includes only general information, and is not intended to provide advice tailored to any specific insurance situations. It was prepared solely as a guide, and is not a substitute for individuals to independently evaluate any relevant insurance, legal or other issues, and is not a recommendation that a particular course of action be adopted. If specific ad- vice is required or desired, the services of an appropriate, competent professional should be sought. All individuals accessing or otherwise using this Data assume all responsibility for use thereof and agree to hold TIB harmless from and against any damages, loss, claim or liability arising out of any error, defect or omission contained with said Data.