Coverage cannot be bound or altered via voice mail messages or any other electronic communications (email, fax, text, etc.) without subsequent confirmation that your request was received and approved by authorized employee of Evertas Insurance Agency, LLC Illinois License# 3000372072. Any presentation contained in this or future correspondence is designed to provide an overview of the insurance coverages we prepared for your review. Any proposal and/or explanation of coverage is meant to facilitate a general understanding of insurance and should not be construed as a legal interpretation of the insurance policies in place or presented within. Please refer to the actual policies for details on coverages, conditions and exclusions that will govern in the event of a loss.