DISCLAIMER

Last updated March 20, 2026

GENERAL DISCLAIMER

The information provided by Abraham Kevin Spann & Sons, Inc, doing business as A Kevin Spann Insurance Agency ("we," "us," or "our") on our website and through our Services is for general informational purposes only.

All information is provided in good faith. However, we make no representation or warranty regarding the accuracy, completeness, or reliability of any information.

Your use of our Services is at your own risk.

NO GUARANTEE OF COVERAGE

Any information, recommendations, or discussions regarding insurance:

  • do not guarantee coverage

  • do not bind any insurance policy

  • do not alter or replace official policy documents

Insurance coverage is determined solely by:

  • the issuing insurance carrier

  • the terms, conditions, and exclusions in your policy

Only your official policy documents determine your coverage.

NO BINDING AUTHORITY DISCLAIMER

We do not have the authority to:

  • bind coverage

  • guarantee approval

  • finalize policy terms

Coverage is not effective unless:

  • confirmed by the insurance carrier

  • issued in writing

  • and paid for (if applicable)

NO PROFESSIONAL ADVICE

We do not provide:

  • legal advice

  • tax advice

  • financial advice

Any information provided should not be relied upon as a substitute for professional advice.

COVERAGE INTERPRETATION DISCLAIMER

Any explanation of insurance coverage is:

  • general in nature

  • based on limited information

  • subject to change

You are responsible for reviewing your policy and asking questions if anything is unclear.

THIRD-PARTY AND CARRIER DISCLAIMER

We act as an independent insurance agency and may work with insurance carriers, including Allstate.

We are not the insurance carrier.

We are not responsible for:

  • underwriting decisions

  • policy approvals or denials

  • claim handling

  • claim outcomes

These are handled solely by the insurance carrier.

EXTERNAL LINKS DISCLAIMER

Our website may contain links to third-party websites.

We do not guarantee the accuracy or reliability of any third-party content and are not responsible for their practices.

TESTIMONIALS DISCLAIMER

Testimonials reflect individual experiences and:

  • are not guarantees of results

  • may not represent typical experiences

Your experience may vary.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, we are not liable for:

  • denied claims

  • coverage gaps

  • misunderstandings of policy terms

  • financial or business losses

Your reliance on any information is at your own risk.

CONTACT US

If you have questions about this Disclaimer, contact us at:

Abraham Kevin Spann & Sons, Inc, dba A Kevin Spann Insurance Agency

Adress: 146 Arizona Road, West Babylon, New York, 11704, United States

Email: [email protected]

Phone: +1 347-837-7095

© 2026 Abraham Kevin Spann & Sons, Inc, dba A Kevin Spann Insurance Agency. All Rights Reserved.

A Kevin Spann Insurance Agency is operated by Abraham Kevin Spann & Sons, Inc. and functions as an independent insurance agency. We are not the insurance carrier. Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the policy issued by the insurance carrier. Information provided on this site is for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage is not guaranteed and must be confirmed by the issuing carrier. We may use cookies, pixels, and tracking technologies, including Meta Pixel and Google Analytics/Ads, to improve user experience, analyze traffic, and deliver relevant advertising. By using this website, you consent to our data practices as outlined in our policies.

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