Website & Insurance Disclaimer

General Information Only

The information provided on this website by Iron & Oak Insurance, LLC. (“Iron & Oak”) is for general informational and educational purposes only. It is not intended to be, and should not be relied upon as, insurance advice, a recommendation, a coverage determination, or a substitute for a conversation with a licensed insurance representative about your specific circumstances.

No Insurance Binder or Coverage Determination

Nothing on this website constitutes an insurance binder, an offer to bind coverage, a guarantee of coverage, or a modification of any insurance policy. Information presented here does not create, change or confirm any insurance coverage.

Submitting Information Does Not Bind Coverage

Submitting information through this website does not bind insurance coverage. Contacting us, completing a form, or using an interactive tool on this website does not create an insurance policy and does not obligate any insurer to provide coverage. No coverage is in force unless and until it is confirmed in writing by an authorized insurance carrier.

Coverage Is Subject to Policy Terms

All insurance coverage is subject to applicable:

• Policy terms
• Conditions
• Exclusions
• Underwriting requirements
• Carrier eligibility
• State availability

The actual terms of any coverage are governed solely by the insurance policy issued by the carrier. If there is any conflict between information on this website and an issued policy, the policy controls.

Educational Tools

Any interactive features on this website, including the “What’s at Risk?” tool, provide general educational information only. They do not determine coverage, eligibility, pricing or insurance recommendations, and results should not be interpreted as insurance advice.

Flood and Property Considerations

Information about flood insurance and property coverage is general in nature. We do not represent whether any specific property is or is not located in a flood zone, and we do not guarantee that flood or any other coverage is available for a given property. Property-specific questions should be discussed directly with Iron & Oak.

Licensing

Iron & Oak Insurance, LLC. is an independent insurance agency. Products and services are available only where Iron & Oak and its carriers are properly licensed and authorized, which currently includes Tennessee, Mississippi and Arkansas.

No Warranty

While we strive to keep the information on this website accurate and current, we make no warranties or representations as to its completeness, accuracy, reliability or timeliness. Iron & Oak is not responsible for any errors or omissions, or for any outcome resulting from the use of this information.

Questions

For information specific to your situation, please contact Iron & Oak Insurance, LLC. at 901-810-3150 or through our Contact page. Please also review our Privacy Policy and Terms of Use.