Terms of service.

What this site is

tiskiy.com is an informational site for the insurance practice of Michael Tiskiy, CA Lic. #4525665, an authorized producer with Orr & Associates Insurance Services. Nothing on this site is an offer of insurance, a binder, or a guarantee of coverage, price, or placement. Coverage exists only when a carrier issues it.

No advice until it's yours

Content here is general information, written carefully but not tailored to your situation until we've actually talked and I've seen your contracts. Requirements flagged [VERIFY] mean exactly that: verify against your signed agreement, because programs change their terms.

Quotes and applications

Quotes are estimates until a carrier issues terms, and all coverage is subject to underwriting, policy terms, conditions, and exclusions. The policy document controls, always — not this website, and not an email summary.

Outside links

Links to carriers, Orr & Associates, the BBB, and other third parties are provided for convenience. I don't control those sites and am not responsible for their content.

Intellectual property and acceptable use

The content and design of this site belong to Michael Tiskiy. Quote it with attribution; don't scrape it into a competing site. Don't use the forms to send spam or anything unlawful.

Liability

To the extent the law allows, this site is provided as-is and I'm not liable for losses arising from reliance on general site content. For anything that matters, get it in a policy, not a paragraph.

Governing law and contact

These terms are governed by California law. Questions: [email protected], or Michael Tiskiy, 1382 Blue Oaks Blvd Ste 100, Roseville, CA 95678, (916) 514-2064.