Legal Disclaimer (For those with no sense of humor)

Nothing contained within this website or any comment made on any website is a substitute for the legal, insurance, accounting or financial advice or opinion of a licensed insurance broker, accountant, registered investment advisor or attorney in your state. Comments made on any website including this website are simply a starting and/or educational resource for information on the topics herein and does not claim to provide any definitive answer and should not be relied upon for any purposes whatsoever. Non-professionals should seek the assistance of a licensed insurance broker, accountant, registered investment advisor or attorney in their jurisdictions.

Marc DiGiorgio, CIC, CRM, CSRM, AU, ARM, ARM-P, AIS is a risk management practitioner and licensed insurance producer in the State of NJ only and is not a lawyer, accountant or a registered investment advisor. He cannot and does not provide any legal service of any nature whatsoever. MDIA, Inc. d/b/a Brandywine Risk Managers is a publisher of websites and provides speakers on various topics and is also a licensed by the State of NJ as an insurance producer. The person responsible for this website is Marc DiGiorgio, CIC, CRM, CSRM, AU, ARM, ARM-P, AIS in his capacity of President of MDIA Inc. d/b/a Brandywine Risk Managers and questions regarding it should be addressed to him at MDIA, Inc. d/b/a Brandywine Risk Managers, P.O. Box 325, Ledgewood, NJ 07852.

© 2008, 2009 by Marc DiGiorgio, CIC, CRM, CSRM, AU, ARM, ARM-P, AIS. All rights reserved. No portion of this page or any portion of this website may be reprinted or otherwise duplicated without express written permission of Marc DiGiorgio, CIC, CRM, CSRM, AU, ARM, ARM-P, AIS.