Website Terms & Insurance Disclaimer
These terms explain the limits of information and requests submitted through the Essential Services Company website.
General information only
Website content is provided for general informational purposes and is not a complete description of any insurance policy, coverage, exclusion, condition, benefit, financial product or service. Actual coverage is governed by the applicable policy, endorsement, contract and carrier underwriting requirements.
No binding authority through the website
Submitting a form, email or document through this website does not bind, alter, extend, renew, cancel or confirm insurance coverage. A requested change is not effective until confirmed by Essential Services Company and/or the applicable insurance carrier in accordance with policy and underwriting requirements.
Certificates of Insurance
A certificate of insurance is evidence of coverage as reflected by the applicable policy at the time issued. A certificate does not amend, extend or alter coverage. Requests for additional insured status, waiver of subrogation, primary and noncontributory wording, or other endorsements may require policy endorsement and carrier approval.
Claims
Website claim forms are intended to begin a claims conversation. Submission does not constitute acceptance of coverage or acceptance of a claim. In an emergency, contact the appropriate emergency service first and follow any carrier-specific claim-reporting requirements.
Availability
Insurance products, carriers, benefits, programs and services may not be available in every state or for every risk. Availability is subject to licensing, appointments, eligibility, carrier appetite, underwriting, policy terms and other requirements.
Third-party links
The website may contain links to third-party websites or services. Essential Services Company is not responsible for third-party content, availability, security or privacy practices.
Contact
Questions about website content or insurance service requests may be directed to info@essentialservicesusa.net or (313) 395-8988.