Disclaimer

Last updated: September 27, 2026

This website belongs to Prana Risk, a licensed insurance brokerage based in New York City. We built this site to help you understand your insurance options and to make it easier to reach us. Please read this disclaimer carefully before relying on anything you read here.

1. Coverage Cannot Be Bound Through This Website

Nothing on this website creates, changes, or confirms any insurance coverage. Requesting a quote, filling out a contact form, or reading a page on this site does not mean you have coverage. Coverage only becomes effective after you have spoken directly with a Prana Risk broker or agent and received clear confirmation from us, in writing, that your coverage is in place. If you are unsure whether you are currently covered, please contact us before assuming that you are.

2. This Website Explains General Principles Only

The information on this website is meant to help you understand insurance in simple terms. It covers general concepts and common situations, so that you have a starting point for your questions. It is not a definitive statement of your coverage, and it should not be treated as a substitute for your actual policy. Your real coverage, including what is covered, what is excluded, and under what conditions, is set out in your insurance policy documents. Those documents, along with your individual circumstances, are what actually govern your coverage, not anything written on this website.

3. It Is Your Responsibility to Keep Us Informed

Your risk can change as your life or your business changes. This might include things like moving to a new address, renovating a property, starting a new business activity, hiring employees, or any other change that affects what you need protection for. It is your responsibility to tell us about these changes as they happen. This allows us to review your coverage and make sure it still matches your current situation. We cannot adjust your coverage for a risk we are not aware of.

Questions About Your Coverage

If anything on this website is unclear, or if you want to confirm your current coverage, please contact us directly. We are happy to walk through your policy with you.

Prana Risk
Phone: (646) 517-4181
Email: [email protected]