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Insurance Terms and Conditions

I REPRESENT THAT THE ABOVE STATEMENTS ARE TRUE AND NO MATERIAL FACTS HAVE BEEN SUPPRESSED OR MISSTATED. I ATTEST THAT, AS OF TODAY I HAVE NO KNOWLEDGE OF ANY ALLEGATION, CLAIM OR SUIT OR ANY ACT, ERROR OR OMISSION, WHICH MIGHT REASONABLY BE EXPECTED TO RESULT IN A CLAIM OR SUIT. ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR ANOTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION, OR CONCEALS FOR THE PURPOSE OF MISLEADING INFORMATION CONCERNING ANY FACT MATERIAL THERETO, COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND SUBJECTS THE PERSON TO CRIMINAL AND CIVIL PENALTIES. ANY PERSON WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE ANY INSURER FILES A STATEMENT OF CLAIM OR AN APPLICATION CONTAINING ANY FALSE, INCOMPLETE, OR MISLEADING INFORMATION IS GUILTY OF A FELONY OF THE THIRD DEGREE. THE UNDERSIGNED IS AN AUTHORIZED REPRESENTATIVE OF THE APPLICANT AND REPRESENTS THAT REASONABLE ENQUIRY HAS BEEN MADE TO OBTAIN THE ANSWERS TO QUESTIONS ON THIS APPLICATION. HE/SHE REPRESENTS THAT THE ANSWERS ARE TRUE, CORRECT AND COMPLETE TO THE BEST OF HIS/HER KNOWLEDGE. THIS IS A 100% EARNED POLICY AND THERE IS NO RETURN PREMIUM IF CANCELED.

Policies are 100% minimum earned. No refunds will be given.

The Handcrafted Soap and Cosmetic Guild (www.soapguild.org) is not a licensed insurance agent. This insurance is provided through Veracity Insurance Solutions, LLC.


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