Disclaimer

First published: 22 September 2025 · Last updated: 25 September 2026

The information published on Shield and Strategy (shieldandstrategy.blogspot.com) is provided for general, educational, and informational purposes only. Please read this disclaimer carefully before relying on any content published on this site.

General Information, Not Professional Advice

Nothing on this site constitutes personalized insurance, financial, investment, tax, or legal advice. Articles are written to help readers understand how insurance coverage, premiums, regulations, and related concepts generally work, not to recommend a specific course of action for any individual's particular circumstances.

Every reader's situation — their coverage needs, financial position, jurisdiction, and risk exposure — is different. Decisions about purchasing, changing, or canceling any insurance policy should always be made in consultation with a licensed insurance agent, broker, or financial adviser who can assess your specific circumstances. Further detail on the intended role of this site's financial content is available in the Financial Disclaimer.

No Guarantees

Shield and Strategy does not guarantee, and no content on this site should be interpreted as guaranteeing, any of the following:

• Coverage approval or eligibility for any insurance product.
• The approval or payment of any insurance claim.
• Specific premium savings, discounts, or pricing outcomes.
• That any insurer, policy, or coverage type described is suitable for your individual circumstances.

Insurance products, underwriting criteria, premiums, and regulations vary by insurer, jurisdiction, and individual circumstances, and they change over time. Information accurate at the time of publication may become outdated. Readers should always verify current terms directly with an insurer, broker, or relevant regulator before making a decision.

Accuracy of Information

We make reasonable efforts to ensure the accuracy of the information published on this site, following the research and verification standards described in our Editorial Policy. However, we do not warrant that all content is complete, current, or free of error at all times. Insurance regulations, coverage terms, and market conditions can change without notice.

If you identify a factual error, please let us know through the Contact Us page so it can be reviewed and corrected in accordance with our Corrections Policy.

External Links

This site may contain links to third-party websites, including insurers, regulators, comparison platforms, and other publications. These links are provided for reader convenience and additional context. We do not control, endorse, or take responsibility for the content, accuracy, or privacy practices of any external website. Visiting a linked website is at your own discretion and risk.

No Client or Professional Relationship

Reading this site, commenting on an article, or contacting the editorial team does not create a client relationship, an advisory relationship, or any other professional relationship between you and Shield and Strategy or its author. No content on this site should be treated as a substitute for individualized professional consultation.

Jurisdiction-Specific Content

Insurance rules, mandatory coverage requirements, and regulatory bodies differ across the United States and the United Kingdom, and even between individual US states. Where an article addresses a specific market, that context is identified, but readers are responsible for confirming which rules apply in their own jurisdiction before acting on any information.

Limitation of Liability

To the fullest extent permitted by law, Shield and Strategy and its author disclaim liability for any loss, damage, or harm arising from reliance on information published on this site. Use of this site and its content is at your own risk.

Changes to This Disclaimer

This disclaimer may be updated periodically to reflect changes in our content, practices, or applicable law. The "Last updated" date at the top of this page reflects the most recent revision.

Contact Us

Questions about this disclaimer can be sent through the Contact Us page.