P&C insurance coverage, on admitted or non-admitted basis, is available only to insureds in those states where Cowbell is licensed to transact insurance as a producer and holds a valid company appointment. All coverages are subject to policy terms, conditions, and exclusions. Cowbell may act as a general agent for one or more insurance carriers. In some circumstances, some insurers with whom Cowbell may produce business may not be licensed by, or subject to the supervision of, the states where they transact insurance. An insurance policy issued by any such non-admitted insurer is not subject to many of the rate and policy form regulations.

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