States where we do business:
The product and services information included in this Web site is intended for residents of the state of New Jersey only, and is neither an offer to sell insurance nor an advertisement of insurance in any place except the state of New Jersey. Ramapo Insurance Associates, Inc. is licensed to sell Property, Casualty, Life and Health insurance products in the following states of: New Jersey and New York.
Authorization of use:
Ramapo Insurance Associates, Inc. hereby authorizes any person to access this Web site for informational purposes only. Ramapo Insurance Associates, Inc. reserves the right to terminate access to this Web site at any time without notice. The data, information, and material included in this Web site is copyrighted by Ramapo Insurance Associates, Inc. All rights are reserved under the copyright laws of the United State of America. No part of this Web site can be redistributed, copied, or reproduced without the prior written consent of Ramapo Insurance Associates, Inc.

No warranties:
The user of this Web site assumes all responsibility and risk for the use of this Web site and the Internet generally. Ramapo Insurance Associates, Inc., and its affiliated companies disclaim all warranties, representations, or endorsements, express or implied, with regard to the data, information, and material included in, or accessible from, this Web site or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Ramapo Insurance Associates, Inc. and its affiliated companies have the right to discontinue, change, or update any data, information, or material included in the Web site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any data, information, or material included in, or accessible from, this Web site. No advice or information given by Ramapo Insurance Associates, Inc. or its affiliated companies shall create any warranty. Neither Ramapo Insurance Associates, Inc. nor its affiliated companies warrants that the data, information, and material included in the Web site or on the Internet will be uninterruptible or error free or that any data, information, software, or other material accessible from this Web site is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state of state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If your are interested in the terms and conditions of a specific product, please contact us at (201) 337-8181 for additional information.

Disclaimer of liability:
In no event shall Ramapo Insurance Associates, Inc. or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages, or any damages whatsoever resulting from loss of use, data, information, or profits arising out of or in connection with the use or performance of the data, information, or material included in this Web site or on the Internet generally, or on any other basis.

Disclaimer for links:
Although this site includes links providing direct access to other Internet sites, Ramapo Insurance Associates, Inc. and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.

Electronic communications:
Ramapo Insurance Associates, Inc. will not be deemed to have accepted any electronic communication unless Ramapo Insurance Associates, Inc. provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Ramapo Insurance Associates, Inc. sends any electronic communication, Ramapo Insurance Associates, Inc. will assume the communication was received intact by the intended recipient. The recipient of such message must notify Ramapo Insurance Associates, Inc. if the transmission was not received or was not received in a readable format.

Security:
Despite the security measures taken by Ramapo Insurance Associates, Inc., there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Ramapo Insurance Associates, Inc. disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may fax or mail the information to:

Ramapo Insurance Associates
9 Post Road - Suite M1
PO Box 40, Oakland, NJ  07436
Office:  201.337.8181
FAX:  201.337.8188