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Legal Disclaimers


The information contained in this website is for general information purposes only and is provided on an "as is" basis without any warranties of any kind that the material is suitable for your needs, error free or otherwise. Though an effort has been made to provide complete information, Risk Exchange Insurance Services, Inc. (REX) assumes no liability for the completeness of the information provided in the web site.

Trademark and Copyright Ownership

The materials on this site, including copyrighted material, service marks, trademarks, and trade names, are owned by Risk Exchange Insurance Services, Inc. (REX). Using any materials from this site is prohibited; however, may print or download a reference copy for your own personal or non-commercial use provided that you do not remove our copyright, trademark or other legal notices. Any other modification or use of the materials on this site violates proprietary rights.

E-mail Disclaimers

Producers or policyholders cannot bind, alter or cancel coverage except through or by speaking to an authorized representative of Risk Exchange Insurance Services, Inc. (REX) or its affiliates. Coverage cannot be assumed to be bound without express confirmation from or an authorized representative of Risk Exchange Insurance Services, Inc. (REX) or its affiliates.

E-mails sent on behalf of Risk Exchange Insurance Services, Inc. (REX) and affiliates may contain proprietary, confidential or privileged information intended solely for the addressee. If you are not the intended recipient, any use, copying disclosure, dissemination or distribution is strictly prohibited. If you received the message in error, please notify the sender immediately by return email, delete the communication and destroy all copies.

Confidentiality Notice

 The information contained in the email communication, including attachments, is privileged and confidential. It is intended only for the exclusive use of the addressee. If the reader is not the intended recipient, or the employee, or the agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of the communication is strictly prohibited. If you have received the email communication in error, please notify a Risk Exchange representative by return email or telephone immediately.

A.M. Best Company Ratings

At various places on this website, we have made reference to the rating assigned by the A.M. Best Company (Best) to the carriers we represent. The objective of Best's "Financial Strength Rating" system is to provide an opinion as to an insurer's financial strength and ability to meet its ongoing obligations to policyholders. Best's "Financial Strength Rating" opinions are divided into two broad categories: Secure and Vulnerable. Secure rated companies have experienced a very low failure frequency, and include ratings from A++ and A+ (Superior), to A and A- (Excellent) to B++ and B+ (Very Good). In Best's opinion, the highest rated Secure companies have a very strong ability to meet their ongoing obligations to policyholders, while the lowest rated Secure companies have a good ability. The higher a company's Secure rating, the greater its ability to withstand adverse changes in underwriting and economic conditions over longer periods of time.