Disclaimer / Disclosures

Electronic messages sent by RCM&D personnel may contain confidential and legally protected information, intended only for the use of the individual or entity named in the message header. The authorized recipient of this information is prohibited from disclosing this information to any other party and is required to delete the electronic message after its stated need has been fulfilled.  If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or action taken in reliance on the contents of this electronic message and/or any attachments is strictly prohibited. If you have received this electronic message in error, please notify the sender immediately to arrange for your electronic email address to be removed from the sender's personal address book and/or distribution list.

All requests to place or change coverage will be confirmed in writing. Coverage should not be considered bound until you have received such confirmation.

Information provided in this website is for general illustration and/or informational purposes only and should not be construed as tax or legal advice. We recommend that a qualified opinion of tax or legal counsel be obtained.

We at RCM&D are not lawyers, but insurance brokers and consultants. Our review of contract insurance requirements provided to you is not intended to be a legal review, or to provide legal advice. We review only the insurance sections of contracts. Should you require legal advice, please consult an attorney.

This website and any attachments hereto may contain protected health information (PHI) and/or other confidential or proprietary information (collectively the “Information”). Upon reading this website, you are hereby advised that the act of reading, reviewing, forwarding or otherwise using this Information constitutes your agreement to be bound by the obligations and restrictions that RCM&D or Riggs, Counselman, Michaels and Downes, Inc. has accepted as a Business Associate of various covered entities.  A copy of these obligations and restrictions is available from RCM&D or Riggs, Counselman, Michaels and Downes, Inc.

If you do not agree to keep the Information confidential as described above, you must not review, retransmit, convert to hard copy, copy and use or disseminate this website. 

Your continuing effort is essential to accident prevention, regulatory compliance and control of risks in your workplace. Our assistance may be used as adjunct in certain areas of that effort, but we assume and have no responsibility to you or others for the control or correction of conditions or practices existing at your premises, whether or not listed or not listed in this report or website. Further, we do not warrant that the completion of any recommendation in this report will assure that the premises or operations are safe, healthful or are in compliance with any law, regulation, code or standard.

Notice: This website contains confidential and proprietary information that may be legally privileged. You must not review, retransmit, convert to hard copy and use or disseminate this website or any attachments to it. Any views or opinions expressed in this website are those of the sender and do not necessarily express those of National Financial Partners Corp.  National Financial Partners Corp. may not have produced some or all of the contents of this website or any attachments. This notice is automatically appended to each e-mail message leaving National Financial Partners Corp.

Standard Contract Conditions

Ready to continue the conversation? We’d like to. We are eager to discuss your risk and benefits management challenges, your organizational goals, and your appetite for new solutions based on your unique business needs.