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The manual contained within this website is intended as a general overview, and is not intended to serve as - and should not be used as - a substitute for legal advice tailored to a particular set of facts and circumstances. The information in this manual is not specific to any U.S. state or jurisdiction, and insurance laws do differ from state to state, sometimes significantly. Laws can also change from time to time, and Sompo Canopius does not guarantee that all references to laws in this manual are current. This manual does not constitute legal advice and should not be relied upon as such; it is your responsibility to ensure that you comply with all applicable laws. If you are seeking legal advice regarding any of the topics referenced in this manual, you should consult with appropriate legal counsel.