FARMERS AGENTS DO NOT HAVE BINDING AUTHORITY.  All binding requirements must be met on or before proposed effective date.  If binding requirements are not met on or before proposed effective date, that date can not be honored.  Kraft Lake does not have the authority to backdate coverage when binding requirements are met at a later date regardless of when the bind request was initially made. 
This quote is based on the information provided by you and your agency.  The coverage and/or premium may change or possibly not be offered pending final review of all binding requirements or additional information obtained.  The quote expires after 30 days. 
This email and any attachment is confidential and may contain copyright and/or legally privileged information.  It may be read, copied and used only by the intended recipient.  If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited.  If you received this e-mail by accident, please notify the send immediately and destroy this e-mail, any attachments and all copies.  Security and reliability of e-mail is not guaranteed.  In addition, no liability or responsibility is accepted for viruses and it is your responsibility to scan any attachments.  Please note that for business purposes, outgoing and incoming emails from and to the company are monitored and recorded.