Insuranced Application Disclaimer

Submitting a quote request or contact form on this website does not bind, guarantee, or imply coverage of any kind. VL Whitesell Insurance Agency LLC (d/b/a Saddle, Stock & Legacy), operates as a wholesaler of equine and farm insurance policies and is not an insurance carrier. We do not fully underwrite, issue, or directly pay claims on any insurance policy.

As a wholesaler, Saddle, Stock & Legacy facilitates the connection between clients and licensed insurance carriers, but we are not legally responsible for indemnifying claims, paying benefits, or guaranteeing policy terms. All insurance coverage is subject to underwriting approval and issued solely by the licensed carrier with whom the policy is placed. Clients are encouraged to carefully read and review all policy documents provided by the issuing insurer to understand their rights, obligations, and coverage terms.

By using this website or submitting information, you acknowledge and accept these terms.

Update: 07/20/2025