Website terms, professional boundaries, and insurance disclaimers.

Effective date: September 4, 2026

By accessing or using this website, you agree to these Terms of Use. Stop using the site if you do not agree.

General information only

Website content is provided for general educational and business-development purposes. It is not a complete analysis of any policy, claim, contract, governing document, project, transaction, law, lender requirement, or factual situation.

No legal, tax, engineering, accounting, lending, or other professional advice

Rothberg Specialty is an insurance agency, not a law firm, engineering firm, accounting firm, lender, reserve-study provider, or claims-adjusting firm. Consult the appropriate qualified professional for advice within those disciplines.

No insurance bound through the website

Submitting a form, sending email, leaving a message, receiving a website response, downloading material, or reviewing a sample does not bind, renew, amend, cancel, or confirm insurance. Coverage becomes effective only through authorized written confirmation and satisfaction of all applicable conditions.

No client or confidential relationship by website use

Using the site or contacting Rothberg does not by itself create an agency-client, broker-client, consulting, fiduciary, attorney-client, or confidential relationship. Do not send information you consider privileged or highly sensitive until an appropriate engagement and transmission method are established.

Policies and carrier documents control

Descriptions of coverage are summaries. The issued policy, declarations, forms, endorsements, exclusions, conditions, insurer interpretations, facts, and applicable law control. No website statement expands or modifies coverage.

Availability and licensing

Products and services are available only where legally permitted and subject to licensing, appointment, carrier authority, underwriting, eligibility, market capacity, state requirements, and applicable agreements.

Historical results and case studies

Case studies and savings examples are historical and risk-specific. They do not promise or predict future premium, coverage, deductible, carrier, underwriting, or claim outcomes. Public summaries may omit confidential or immaterial details and do not replace the complete proposal or policy.

Timeliness and accuracy

We work to provide accurate information but do not warrant that all content is complete, current, or error-free. Regulations, lender requirements, market conditions, policy forms, rates, and carrier appetite can change. Verify time-sensitive information with the primary authority.

Third-party resources

Links are provided for convenience. Rothberg does not control and is not responsible for third-party content, security, availability, products, or privacy practices.

Intellectual property

The Rothberg Specialty name, logo, site design, original text, graphics, and other content are owned by or licensed to Rothberg Specialty and may not be copied, republished, or used commercially without permission, except for reasonable personal or internal business reference.

Prohibited use

You may not interfere with site operation, attempt unauthorized access, introduce malicious code, scrape the site in a manner that burdens systems or violates law, impersonate another person, submit false information, or use content for unlawful or misleading activity.

Disclaimer of warranties

The site is provided “as is” and “as available” to the extent permitted by law, without warranties of uninterrupted operation, fitness for a particular purpose, non-infringement, or accuracy.

Limitation of liability

To the extent permitted by law, Rothberg Specialty will not be liable for indirect, incidental, special, consequential, exemplary, or lost-profit damages arising from website use. Any mandatory rights under applicable law remain unaffected.

Governing law

These terms are intended to be governed by applicable Tennessee law, without regard to conflicts principles, subject to any non-waivable law or agreed engagement terms. Counsel should confirm the final forum and dispute language.

Changes and contact

We may update these terms. Questions may be sent to adam@rothbergspecialty.com.

Launch note: Counsel should review these terms, especially governing law, liability, privacy integration, intellectual property, and state-specific insurance requirements.