©Seabury & Smith Insurance Program Management 2010

CA Ins. Lic. #0633005 • AR Ins. Lic. #245544

The information contained in this publication provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation, and should not be relied upon as such.  Insureds should consult their insurance and legal advisors regarding specific coverage issues.  All insurance coverage is subject to the terms, conditions, and exclusions of the applicable individual policies. Marsh cannot provide any assurance that insurance  can be obtained for any particular client or for any particular risk. Statements concerning legal matters should be understood to be general observations based solely on our experience as insurance brokers and risk consultants and should not be relied upon as legal advice, which we are not authorized to provide.  All such matters should be reviewed with your own qualified legal advisors. This document or any portion of the information it contains may not be copied or reproduced in any form without the permission of Marsh, Inc., except that clients of any of the MMC companies need not obtain such permission when using this document for their internal purposes, as long as this page is included with all such copies or reproductions. Marsh is an operating company of Marsh & McLennan Companies, Inc. (MMC).  The MMC operating companies include Marsh, Mercer, Guy Carpenter, and the Oliver Wyman Group (including Lippincott and NERA Economic Consulting).