We at Hill & Usher (and all of the divisions of Hill & Usher, including PropertyPak) are not attorneys, physicians, or accountants, per se, except for individuals, if any, within Hill & Usher who are specifically properly certified and licensed as such. We do not practice law, medicine, or provide accountancy services. We do discuss, write about, and publish on such matters pertaining to insurance, risk management, and the like.

However, we recommend that you always consult licensed, practicing professionals in their areas of expertise and that you do not rely upon Hill & Usher or any of its divisions or producers or staff (hereafter Hill & Usher) for such information.

It is true that often, insurance agents/producers know more about insurance law and accounting and medical insurance than many, if not most, lawyers and accountants who do not specialize in such particular areas of coverage.

In no case, however, should you construe any statement by Hill & Usher as suggesting that Hill & Usher proposed, or proposes, that you look no further concerning legal, medical, or accountancy advice pertaining directly to insurance and even where Hill & Usher has some, or a great deal of, experience and expertise.

This site does not provide legal, financial, or accounting advice. Seek professional counsel.

Furthermore, we, as insurance producers, are prohibited by law from disparaging the insurance industry, carriers, other producers, etc. With that in mind, we provide links without staking out positions that violate the law. We provide them solely from a public-policy standpoint (wherein, we encourage our industry to be sure our profits, etc., are morally, ethically, and legally justified).

We do not necessarily fact check the contents of every linked article or page, etc.

If we were to conclude any part, or parts, of our industry are in violation of fundamental fairness and the legal standards of an applicable state, or states, we’d address the issue through proper legal channels. We trust you understand.

The laws that tie our tongues are designed to keep the public from losing confidence in the industry and the regulatory system overseeing it. Insurance commissioners around the country work very hard to analyze rates and to not allow the industry to be damaged by bad rate-settings and changes in coverages. The proper way for people in the industry to deal with such matters is by adhering to the laws, rules, and regulations of the applicable states and within industry associations, where such matters may be discussed in private without giving the industry unnecessary black eyes. Ethics is very high on the list in the insurance industry, and we don’t want to lose the people’s trust. That said, the industry is not perfect; but what industry is?

For our part, we believe in strong regulations and strong regulators.

We welcome your comments and ask you to keep in mind that we will endeavor in earnest never to reply in any way, or ways, where any insurance commissioner could rightly say we’ve violated the law of the given state.

We are allowed to share rating-bureau data/reports and industry-consultant opinions but make clear here that those opinions are theirs and do not necessarily reflect our position.