Updated: February 24, 2026
Statera Insurance Group provides insurance advisory support and may assist with placement. We are not an insurance company. Insurance policies are issued by insurance carriers, and all coverages are subject to the carrier's underwriting and final policy terms.
Quotes, indications, and premium estimates are not binding and may change based on underwriting, application details, inspections, loss history, credit-based insurance scores (where permitted), and carrier rules.
Coverage is not bound unless and until confirmed in writing by an authorized representative of the applicable insurer (or as otherwise documented through an approved binding process).
Coverage depends on the specific policy forms, endorsements, exclusions, conditions, and limits issued by the carrier. Summaries or descriptions are not a substitute for the policy itself.
You are responsible for reviewing policy documents and confirming that coverages, limits, deductibles, and dates meet your needs.
We do not represent every insurance carrier or product in the marketplace. Carrier availability varies by state, line of coverage, risk characteristics, and underwriting appetite. In some situations, coverage may be accessed through wholesalers, managing general agents, or specialty markets.
We are generally compensated through commissions paid by carriers when a policy is placed. Commission structures can vary by carrier and product. In certain cases and where permitted, fees may apply and will be disclosed in advance.
If you would like compensation details related to a specific placement, you may request them.
We can assist with claims coordination and communication, but claim decisions, payments, and coverage determinations are made solely by the insurance carrier based on the policy terms and applicable law.
Testimonials and examples reflect individual experiences and are not a guarantee of future results. Coverage outcomes, pricing, and timelines vary based on underwriting and specific facts.
