The information provided in this document is intended for use as a guideline and is not intended as, nor does it constitute, legal or professional advice.  Northland and Travelers do not warrant that adherence to, or compliance with, any recommendations, best practices, checklists, or guidelines will result in a particular outcome.  In no event will Northland, Travelers or any of their subsidiaries or affiliates be liable in tort or in contract to anyone who has access to or uses this information.  Northland and Travelers do not warrant that the information in this document constitutes a complete and finite list of each and every item or procedure related to the topics or issues referenced herein.  Furthermore, federal, state or local laws, regulations, standards or codes may change from time to time and the reader should always refer to the most current requirements.  This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Northland or Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond.  Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Texas Customers: Insurance provided by Southern County Mutual Insurance Company, administered by Northland Insurance Company. © 2016 Northland Insurance Company. All rights reserved.