Disclaimer: Please be advised that insurance coverage cannot be added, deleted or otherwise changed via email or voicemail message and is not in effect until it is confirmed in writing by Skyline Risk Management, Inc. or your insurance carrier.

Any review, recommendation or request by us shall in no way be construed as (a) our having provided legal advice or professional services to you or your subcontractors or (b) any indication that the limits of insurance, contractual wordings or insurance coverage provide adequate or appropriate protection for you or your subcontractors.

This e-mail and any files transmitted with it are the property of Skyline Risk Management, Inc., and may be confidential, non-public, proprietary, protected by the attorney/client or other privilege. Receipt by anyone other than the intended recipient(s) should not be deemed a waiver of any privilege or protection.

If you are not the intended recipient or if you believe that you have received this email in error, please notify the sender immediately and delete all copies from your computer system without reading, saving, or using it in any manner. Unauthorized reading, distribution, copying or other use of this communication is prohibited and may be unlawful.

Although it has been checked for viruses and other malicious software ("malware"), we do not warrant, represent or guarantee in any way that this communication is free of malware or potentially damaging defects. All liability for any actual or alleged loss, damage, or injury arising out of or resulting in any way from the receipt, opening or use of this email is expressly disclaimed.