Website Disclaimer
Effective date: October 6, 2026
Coverage information
Website information is provided for general informational purposes. Coverage descriptions are summaries; actual coverage depends on the issued policy, including its terms, conditions, limits, deductibles, exclusions, and endorsements. Descriptions do not guarantee that a particular risk, procedure, claim, or loss is covered.
Quotes and availability
Quotes are estimates unless expressly confirmed otherwise by an authorized representative. Pricing and availability are subject to underwriting, verification of information, carrier requirements, and applicable eligibility rules. Coverage and products vary by insurer and location. Savings and approval are not guaranteed.
Requests do not bind or change coverage
Submitting a website form, questionnaire, document, payment, email, text, fax, or voicemail does not by itself bind, renew, cancel, add, delete, or change insurance coverage. An authorized representative must confirm the action and effective date, subject to carrier requirements. Do not assume coverage is effective merely because a request or payment was submitted.
Certificates and claims
A certificate request does not itself add an additional insured, issue an endorsement, or change a policy. A certificate of insurance is evidence of coverage and does not amend the policy. Submitting a claim-related request to MAD does not guarantee acceptance or payment of a claim. Follow your policy’s reporting requirements; for urgent claims, contact your insurer directly.
Third-party websites
External quote, payment, carrier, and customer-service platforms operate under their own terms and privacy notices. Their information and availability may change. Review the relevant provider’s terms before submitting information or completing a transaction.
Contact and response times
You may send a message at any time. Our team responds during business hours: Monday–Friday, 9:30 AM–6:00 PM Eastern Time; weekends by appointment. Website messages are not an emergency service. For urgent policy or claims matters, call our office or contact your insurer directly.
Professional guidance
Website information is not legal, tax, or accounting advice. Contact a licensed MAD Insurance representative for guidance concerning your insurance needs.
Call 954-541-9232 or email [email protected]. See our Privacy Notice for information handling practices.
