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INFORMATION DISCLAIMER: Insurance coverages may vary depending on location, policy, and individual business. Please talk to a licensed agent about coverages in your state. The definitions and material on cogoinsurance.com make no warranty as to state or federal law. Insurance policy coverage may vary depending on the specific terms, definitions, and individual policy exclusions. The product descriptions do not affect the provisions or coverages of any insurance policy or bond issued by Cogo, nor do they imply that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverages depend on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations. Discounts may vary by state and individual risk characteristics. Discounts are subject to eligibility, availability, do not apply to all coverages, and are not guaranteed.