Disclaimer

1. Agent Representation

• Cauldron Insurance Agency, LLC, and its licensed agents are authorized to offer insurance products in the states where they hold active licenses. Our agents are required to maintain compliance with all state and federal insurance regulations. They are licensed to assist clients in understanding insurance products, explaining policy options, and recommending coverage suited to individual needs.

• While our agents provide detailed information to aid in decision-making, clients are responsible for choosing the products that best meet their needs and preferences. Any advice provided by agents should not be considered legal or financial advice. For specific legal or tax questions, we recommend consulting a licensed attorney or financial advisor.

2. Client Policy Submission

• When a client submits a request for insurance information, quote, or policy application, Cauldron Insurance Agency, LLC, treats all information as confidential and in accordance with privacy regulations. Submissions through this site or directly to our agents do not guarantee coverage, rates, or acceptance by any insurance carrier.

• All information provided by clients must be accurate and complete. Inaccurate or incomplete information may result in a delay or denial of coverage, as well as potential adjustments to premium rates if coverage is approved.

3. Policy Application Approval

• Submission of a policy application does not guarantee coverage or acceptance by the insurance carrier. Each application is subject to an underwriting review by the insurance carrier, which may include additional medical or financial information. Carriers retain the right to approve, decline, or offer alternative terms based on underwriting criteria and risk assessment.

• Approval of any policy is contingent on the carrier’s underwriting guidelines and applicable state insurance regulations. Policy issuance is subject to carrier approval, and Cauldron Insurance Agency, LLC, does not have the authority to make binding decisions on behalf of the carrier.

4. Coverage Details and Exclusions

• The information provided on this website is for general informational purposes only. While we strive to present accurate and up-to-date information, actual coverage details, policy terms, and exclusions are defined in the individual policy documents provided by the insurance carrier. Clients are encouraged to carefully review their policy documentation upon issuance.

• Cauldron Insurance Agency, LLC, is not liable for any differences between information on our site and the specific terms, conditions, or exclusions of the policy you purchase. Please consult your policy documents or an agent for exact coverage terms.

5. Rates and Quotes

• Quotes provided through our website or by an agent are based on preliminary information and are subject to change upon further review by the insurance carrier. Final premiums may vary based on underwriting results, coverage adjustments, or changes in client-provided information.

6. No Guarantee of Benefits or Coverage

• Insurance coverage, benefits, and rates are subject to change and may vary based on individual eligibility, location, health, age, and other factors as determined by the insurance carrier. Cauldron Insurance Agency, LLC, makes no guarantee of benefits or coverage until the policy is issued by the carrier and accepted by the insured.

7. Privacy and Data Protection

• Cauldron Insurance Agency, LLC, is committed to protecting your privacy. We comply with all applicable data protection regulations, including HIPAA and state-specific privacy laws, to ensure your personal information remains secure and confidential. Please refer to our Privacy Policy for details on how we handle personal information.

8. No Legal or Financial Advice

• The information provided by Cauldron Insurance Agency, LLC, on this site or by our agents is not intended to serve as legal, tax, or financial advice. Please consult qualified professionals for advice on legal, tax, or financial matters. Our agency solely provides information related to insurance products and services.

9. Limitation of Liability

• Cauldron Insurance Agency, LLC, and its representatives are not liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the information on this website or reliance on information provided by an agent. All insurance decisions are the responsibility of the client, and we encourage individuals to make informed choices based on their specific circumstances and needs.

10. Compliance with Insurance Regulations

• Cauldron Insurance Agency, LLC, adheres to all federal and state insurance regulations to ensure ethical and legal practices in all transactions. All marketing, quoting, sales, and policy services are performed within the guidelines of applicable laws and regulatory requirements. Our agents are required to act in good faith and in the best interests of clients, in line with regulatory standards.

11. Agent State License

• Cauldron Insurance Agency, LLC, and its affiliated agents operate in accordance with state-specific licensing requirements. Each agent associated with Cauldron Insurance Agency, LLC, holds the necessary insurance licenses required by their state(s) of operation. Our agents are licensed to offer only the products and services for which they are authorized and approved by the respective state insurance departments.

• Clients should verify that any agent they interact with is properly licensed in their state before proceeding with an insurance transaction. Agent licensure ensures that the agent has met the educational, ethical, and regulatory requirements specific to their state. Licensing information is available upon request, and clients may also confirm agent licensure through their state insurance department’s website.

12. Agent State License Soliciting Requirement

• Cauldron Insurance Agency, LLC, requires its agents to comply with all state-specific regulations regarding solicitation and sales practices. Agents are permitted to solicit or discuss insurance products only within states where they hold an active license to operate. It is strictly prohibited for agents to solicit or attempt to sell insurance products to residents of states where they are not licensed.

• If an agent from Cauldron Insurance Agency, LLC, is unable to assist a client due to state licensing restrictions, the client may be referred to a licensed representative in their state, ensuring full compliance with regulatory requirements.

• All solicitation, marketing, and sales activities are conducted in adherence to state and federal regulations, and Cauldron Insurance Agency, LLC, is committed to ensuring compliance with these requirements in all states where we operate. Violation of state solicitation laws may result in disciplinary actions against agents and potential legal consequences.

13. Licensed Agent Sales Income

• Cauldron Insurance Agency, LLC, provides licensed agents with the opportunity to earn income through commissions and, in some cases, bonuses based on insurance product sales and client acquisitions. However, Cauldron Insurance Agency, LLC, does not guarantee any specific income level, sales volume, or financial success. Earnings as a licensed agent are solely based on individual effort, client relationships, and market conditions.

• Income potential varies significantly among agents and is influenced by factors such as work experience, hours invested, sales abilities, regional market conditions, and adherence to industry regulations. Agents with Cauldron Insurance Agency, LLC, operate as independent contractors, and their success in the insurance industry is directly tied to their commitment to developing and maintaining a client base.

14. No Guarantee of Commissions or Bonuses

• Any projections or discussions about income, commissions, or bonuses made by Cauldron Insurance Agency, LLC, or its representatives are for illustrative purposes only and should not be considered as guarantees or promises of future earnings. The insurance industry, like any sales profession, carries inherent risks, and agents are responsible for the outcomes of their own business activities.

15. Agent Income Transparency and Compliance

• Cauldron Insurance Agency, LLC, encourages agents to operate transparently and ethically when discussing potential income with prospective clients or recruits. Misrepresentation of earnings, misleading claims, or unauthorized income projections are strictly prohibited and may result in disciplinary action, including termination of affiliation with Cauldron Insurance Agency, LLC, as well as potential legal or regulatory consequences.