General Disclaimer
								The New York Insurance Department 
								  provides access to resources and other information on this Web site as a public 
								  service. Although reasonable efforts have been made to ensure that all electronic 
								  information made available is current, complete and accurate, the Insurance 
								  Department does not warrant or represent that this information is current, complete 
								  and accurate. All information is subject to change on a regular basis, without 
								  notice.
								The Insurance Department assumes 
								  no responsibility for any errors in the information provided, nor assumes any 
								  liability for any damages incurred as a consequence, directly or indirectly, 
								  of the use and application of any of the contents of the Insurance Department 
								  Web site. Unless otherwise noted on an individual document, file, webpage or 
								  other Web site item, the Insurance Department grants users permission to reproduce 
								  and distribute all information available on this Web site for non-commercial 
								  purposes and usage, as long as the contents remain unaltered and as long as 
								  it is noted that the contents have been made available by the New York State 
								  Insurance Department.
								Any electronic information 
								  or inquiries that the Insurance Department receives from a Web site user shall 
								  not be considered as, or treated as, confidential.
								The inclusion of, or linking to, other web site URLs does not imply our endorsement 
								  of, nor responsibility for, those web sites, but has been done as a convenience 
								  to our Web site visitors. 
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