Other Disclosures
Last Updated: February 3, 2026
This page provides additional disclosures related to insurance products, services, and regulatory considerations. These disclosures are intended to support transparency and help visitors understand the limitations and responsibilities associated with insurance coverage and agency services.
Independent Insurance Agency Disclosure
Summit Shield Insurance Solutions is an independent insurance agency. We are not owned by, affiliated with, or obligated to place business with any single insurance carrier.
Coverage recommendations are based on available options, client needs, and carrier underwriting guidelines. Placement with any specific carrier is subject to eligibility, approval, and availability at the time of application.
No Legal, Tax, or Financial Advice
Information provided on this website is for general educational purposes only. Summit Shield Insurance Solutions does not provide legal, tax, or accounting advice.
Clients should consult qualified legal, tax, or financial professionals regarding their specific circumstances before making decisions that may have legal or financial implications.
Product Availability and Eligibility
Insurance products, coverage options, and discounts described on this website may not be available to all individuals or businesses.
Availability is subject to:
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Carrier underwriting requirements
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Policy terms, conditions, and exclusions
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Applicant eligibility and risk characteristics
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State-specific regulations
Descriptions on this site do not guarantee coverage.
Coverage Descriptions Are Not Exhaustive
Coverage summaries and explanations on this website are simplified for clarity and convenience. They do not replace the actual insurance policy language.
Only the issued policy and its endorsements define coverage, exclusions, limitations, and conditions. In the event of a conflict, the policy language governs.
Rate and Premium Disclosures
Insurance rates and premiums are determined by insurance carriers and may change based on underwriting factors, claims history, coverage selections, or regulatory updates.
Summit Shield Insurance Solutions does not set insurance rates and cannot guarantee pricing until a policy is issued by the carrier.
Claims Handling Disclosure
Summit Shield Insurance Solutions assists clients with claims support and communication; however, claims decisions, investigations, and payments are made solely by the insurance carrier.
The agency does not have authority to approve, deny, or settle claims.
Electronic Communications and Records
By using this website or engaging with Summit Shield Insurance Solutions electronically, you consent to receive communications and documents electronically, where permitted by law.
Electronic records may include applications, notices, disclosures, and service communications.
Regulatory and Licensing Disclosure
Summit Shield Insurance Solutions is licensed to conduct insurance business in the state of Ohio. Licensing information is available upon request.
We do not solicit or offer insurance products in states where we are not properly licensed.
Changes to Disclosures
These disclosures may be updated periodically to reflect changes in laws, regulations, or business practices. Updates will be posted on this page with a revised effective date.
Questions or Concerns
If you have questions regarding any disclosures on this page or need clarification about coverage, services, or agency practices, we encourage you to contact us directly.
Contact Information
Summit Shield Insurance Solutions
1626 Carolina Dr., Vandalia OH 45377
(937) 702-3327
Final Note
Transparency is part of responsible insurance guidance. These disclosures are intended to help clients make informed decisions with confidence and clarity.