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Disclaimer: The advice you receive from Zurich Services Corporation (ZSC) may include recommendations or referrals to products and services offered by third-party vendors, for which ZSC may receive additional compensation in the form of commissions, referral or contingent fees. You are not obligated to act on ZSC’s advice or to retain the third-party vendors recommended or referred by ZSC. You are responsible for the final vendor selection and retention. This is intended as a general description of certain types of risk engineering services available to qualified customers through The Zurich Services Corporation. The Zurich Services Corporation does not guarantee any particular outcome and there may be conditions on your premises or within your organization, which may not be apparent to us. You are in the best position to understand your business and your organization and to take steps to minimize risk, and we wish to assist you by providing the information and tools to help you assess your changing risk environment. This information is not legal advice and cannot be relied upon as such. Any suggested changes in wording of contract clauses, and any other information provided herein is for general educational purposes to assist in identifying potential issues concerning the insurability of certain identified risks that may result from the allocation of risks under the contractual agreement and to identify potential contract language that could minimize overall risk. Advice from legal counsel familiar with the laws of the state applicable to the contract should be sought for crafting final contract language. This is not intended to provide an exhaustive review of risk and insurance issues, and does not in any way affect, change or alter the coverage provided under any Zurich policy.