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The compliance resources included on this Website have been prepared by American Property Casualty Insurance Association (APCIA) as research 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 statutory or regulatory language referenced therein. APCIA compliance resources are not intended as, and should not be construed to constitute, legal or regulatory advice and use of such resources (or any part thereof) does not establish an attorney/client relationship. Transmission or reproduction of APCIA compliance resources for commercial purposes or for distribution as legal or regulatory advice or using such resources to serve as, substitute for, supplement, or replace the operating procedures, decision rules, guidelines, or advice of your Company or your Company’s attorney is strictly prohibited. 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.