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The resources included on this Website have been prepared or provided by American Property Casualty Insurance Association (“APCIA”) as aids only. Reasonable attempts have been made to ensure that the content is accurate and current as of the publication date. However, you should independently verify any content on which you will rely. APCIA resources are not intended as, and should not be construed to constitute, legal advice and use of such resources (or any part thereof) does not establish an attorney/client relationship. Please refer to the Terms of Use, including but not limited to the section on “Reliance on Website Information” and “Intellectual Property Rights” and to APCIA’s Copyright Notice.