Last Updated: April 10, 2026
Disclaimer
This Disclaimer governs your use of the website, services, information, materials, and communications provided by Mufson Band Insurance Brokerage (“Mufson Band Insurance,” “we,” “us,” or “our”).
By accessing or using our website https://mufsonbandinsurance.com, you acknowledge that you have read, understood, and agreed to all statements contained within this Disclaimer.
1. General Informational Purposes Only
All content on this website—including text, graphics, downloadable materials, blog posts, product descriptions, FAQs, and all other content—is provided for general informational purposes only.
It is not intended to serve as:
- Legal advice
- Financial advice
- Tax advice
- Insurance underwriting advice
- Risk management advice
- A substitute for consultation with licensed professionals
Users should not make decisions based solely on website information without speaking directly to a licensed insurance professional.
2. No Guarantee of Insurance Coverage or Approval
No information on this website constitutes:
- A guarantee of insurance coverage
- A guarantee of eligibility
- A binding offer of insurance
- A representation that coverage will be issued
- Confirmation of pricing, terms, or carrier acceptance
Insurance approval and underwriting decisions are made solely by the insurance carriers, not Mufson Band Insurance.
We cannot guarantee that a specific carrier will offer you coverage or that a policy will meet your expectations until underwriting is complete and documents are issued.
3. No Broker–Client Relationship Formed by Website Use
Your use of this website, including submitting a contact form, does not:
- Create a broker–client relationship
- Guarantee representation
- Establish contractual obligations
- Trigger fiduciary duties
A broker–client relationship is established only when:
- You request brokerage services directly,
- We accept your request, and
- A carrier issues a policy or we formally represent you as your broker of record.
Until then, all website interactions are non-binding and informational.
4. Accuracy of Information
We strive to provide accurate and up-to-date information. However:
- Rates, terms, and coverage descriptions may change without notice
- Insurance carrier information may be updated by carriers independently
- Website content may contain errors, omissions, or outdated information
- Illustrative examples may not apply to all users
- Insurance descriptions on this site do not amend or replace official policy documents
For precise coverage details, you must refer to the actual policy issued by the carrier.
5. Carrier Documents Control All Insurance Terms
Any overview or summary on this website is for convenience only.
The following documents take precedence over all website content:
- Carrier-issued insurance policies
- Carrier declarations pages
- Carrier endorsements and riders
- Carrier underwriting guidelines
- Carrier terms and conditions
If any discrepancy exists between our site and official carrier documents, the carrier documents always control.
6. Third-Party Services & External Links
Our website may contain links to:
- Insurance carriers
- Claims adjusters
- Government agencies
- Forms, tools, and calculators
- Third-party resources
- Partner companies
- Cookie or analytics tools (including TrustArc)
We do not:
- Control these websites
- Guarantee their accuracy
- Endorse their content
- Control their privacy practices
- Accept responsibility for third-party actions
Use of third-party sites is entirely at your own risk.
7. Limitation of Liability
To the fullest extent permitted by law, Mufson Band Insurance:
- Disclaims all liability for direct, indirect, incidental, consequential, punitive, exemplary, or special damages
- Cannot be held responsible for website outages, technical errors, cyber events, or availability
- Is not liable for actions or decisions of insurance carriers
- Is not responsible for inaccurate, incomplete, or outdated information
- Cannot guarantee uninterrupted access to the website
Your sole remedy for dissatisfaction with the website is to discontinue use.
8. No Warranties
Our website is provided “AS IS” and “AS AVAILABLE” without warranties of any kind.
We do not guarantee:
- Accuracy, completeness, or timeliness of content
- That the site will be error-free or uninterrupted
- That defects will be corrected
- That the site is free of malware or harmful components
- That carrier quoting platforms will operate continuously
- That information submitted online will be securely transmitted in all circumstances
Some jurisdictions may not allow certain exclusions; in those cases, exclusions apply to the maximum allowable extent.
9. Client Responsibilities
If you engage us for insurance services, you are responsible for:
- Providing accurate and complete information
- Reviewing policy documents issued by carriers
- Notifying us of any changes in your risk profile
- Understanding the terms, exclusions, and limitations in your policies
- Promptly reporting claims to carriers
- Confirming that your policy meets your needs
Failure to provide accurate information may result in policy denial or cancellation, per carrier guidelines.
10. No Responsibility for User Submissions
If you submit information on our website, including:
- Quote requests
- Claims inquiries
- Forms or uploads
- Emails sent via the website
…we are not responsible for:
- Technical failures
- Lost or incomplete submissions
- Malware on your device
- Network issues
- Delays in receipt or processing
We encourage direct phone contact for urgent matters.
11. Regulatory Compliance & Insurance Industry Standards
We comply with:
- New Jersey Department of Banking & Insurance regulations
- U.S. federal insurance requirements
- Gramm–Leach–Bliley Act (GLBA) protections
- GDPR (for EU/EEA/UK users)
- Applicable financial privacy obligations
- Industry-standard broker practices
Compliance is based on the information you provide and is subject to legal limitations.
12. Impact of Outdated or Incorrect Website Content
Insurance laws, carrier policies, and product availability change frequently.
Therefore:
- Website content may not reflect current regulatory requirements
- Carrier offerings may differ from descriptions
- New laws may supersede older statements
- Individual risks may require specialized underwriting
- Rates may change without notice
You must consult a licensed professional for the most current and accurate guidance.
13. Indemnification
You agree to indemnify and hold harmless Mufson Band Insurance and its officers, employees, partners, and affiliates from any claims arising from:
- Your use of the website
- Your reliance on any content
- Your violation of these Terms or any applicable laws
- Your submission of inaccurate or incomplete information
- Your misuse of website resources
14. Updates to This Disclaimer
We may update this Disclaimer periodically.
Any updates will include a new “Last Updated” date.
Continued use of this site constitutes acceptance of the updated Disclaimer.
15. Contact Us
If you have questions about this Disclaimer, contact:
Mufson Band Insurance Brokerage
49 Oak Street, Suite 2B
Norwood, NJ 07648
Phone: (201) 746-6076
Email: info@mufsonbandinsurance.com