Terms of Use

Your use of this Web site is expressly conditioned upon your accepting and agreeing To these Terms of Use.

IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.

These terms of use ("Legal Terms") describe the terms and conditions applicable to your access and use of this web site, which is owned and operated by Zurich American Insurance Company (“Zurich”). Zurich does business as Zurich North America.

This web site (“Web Site”) is directed to those individuals and entities located in the United States only. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content, including its products and services, are unavailable or otherwise contradictory to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Web Site. Zurich makes no representation that the information or other Content (as defined below) is appropriate or that its products and services are available outside of the United States. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

Zurich reserves the right to modify this Web Site and the Legal Terms, at any time. Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms to ensure that you agree to the terms and conditions upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

Scope of Use

You are only authorized to view, use and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit or distribute a significant portion of the Content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media. The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Web Site without the prior written consent of Zurich is strictly prohibited.

Zurich may, at any time, for any reason and without notice, make changes in the products and/or services described in this Web Site.

You represent that you are at least 18 years old and are a United States resident. If you are under 18, do not use this Web Site; provided, however, a minor's parent or legal guardian may authorize a minor to use this Web Site under supervision of the parent or guardian.

Separate Agreements

You may have other agreements with Zurich. Those agreements are separate and in addition to these Legal Terms. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Zurich, or with any other company within Zurich Financial Services.

Eligibility for and Description of Insurance Products and Services

Not all of the products or services described on this Web Site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described in this Web Site. Zurich reserves the right to determine all eligibility for such products or services in its sole discretion.

The Web Site may provide a general description of certain types of insurance products, coverage and services available through Zurich. These descriptions are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by Zurich.

No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.

No Warranties

THE WEB SITE, ANY CONTENT, OPINIONS OR ADVICE ON THE WEB SITE, (COLLECTIVELY, "CONTENT") ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT. ZURICH DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT. ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

Limitation of Liability

YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEB SITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

Copyrights and Trademarks

The Web Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, text, and other materials contained in this Web Site are the exclusive property of Zurich or its third party licensors. Except as expressly provided under "Scope of Use" section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform this Web Site without the prior written permission of Zurich.

Privacy; User Submissions; Cookies; User E-Mails; Registration and Security

1. Privacy, User Submissions and Cookies

Zurich may collect information from you online through this Web Site, subject to the following:

Until you are registered online with the Web Site

no information of any type is collected online from you

Once you are registered, the information that is collected online is used only for the following purposes: to facilitate your requests, process any transactions you might initiate, or update your account information, except as otherwise provided in the

Privacy Notice

for Zurich’s commercial lines customers. To achieve these goals, the Web Site, like many web sites, uses "cookies" (a small text file placed on the user's hard drive) to facilitate site navigation, maintain quality of online service, provide additional security, and allow the customization of your access to the Web Site. The "cookies" automatically collect information about your computer hardware and software, which can include browser type, access times and Internet Protocol (IP) address. The Web Site does not use "cookies" to collect information for distribution to third parties for any purpose, nor does it use "cookies" to secure information from other web sites you may visit.

Zurich may personalize your user experience by using information about your interests to recommend other services or sites that might be of interest to you;
Zurich may also monitor user traffic patterns and site usage to help provide enhancements to its services;
Zurich may use the information it collects to notify you about new services or special offers;
Zurich may make use of "cookies" to enable it to store information and prepare customized pages or other personalized aspects of its services. Cookies are messages given to a Web browser, sent by a Web server. Browsers store cookies on the hard drive of the computer accessing the service; and
Zurich reserves the right to reveal any Registration Data or other information in its possession regarding users of its services in cooperation with a request or investigation by any governmental body or governmental agency.

Zurich’s privacy notice for its commercial lines customers is available by

clicking here

By providing information or materials to this Web Site (other than personal information subject to

Zurich’s Privacy Notice

for its commercial customers), you grant to Zurich an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Zurich shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in

Zurich’s Privacy Notice

, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

2. User E-Mail

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information.

3. Registration and Security

You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Zurich of any unauthorized use of your password or user name or any other breach of security. Until Zurich is properly notified of a breach of security by either e-mail notice at

dnstech@zurichna.com

or written notice by U.S. mail addressed to Zurich American Insurance Company, 1400 American Lane, Schaumburg, Illinois, 60196, Attn: Corporate Law Department, you will remain responsible for any unauthorized use of the Web Site occurring under your user name and password. You will not violate, or assist in violating, the security of the Web Site, whether intentionally, negligently or otherwise. You will not attempt to utilize another user’s account, user name, password, or persona without authorization from that user.

For purposes of identification, billing and marketing, you agree to provide Zurich with accurate, complete, and updated information required by registration to our service (“Registration Data”), including your legal name, address, telephone number(s), e-mail and, where required, applicable payment data (e.g., credit card number and expiration date). Zurich reserves the right to verify the accuracy of all Registration Data. You agree to promptly notify the Web Site of any change in your Registration Data. Failure to comply with this provision may result in immediate suspension or termination of your right to use the Web Site.

Links

Zurich offers links to other web sites operated by other entities as a convenience to you in the belief that making hyperlinks available to publicly accessible Web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Zurich makes no representation regarding the content or accuracy of any web site that you may access through this one. Zurich does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on Zurich’s Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. Accordingly, Zurich assumes no responsibility or liability for the content of any linked sites. Before entering any linked site, you should review and understand that site’s privacy policy.

You may not link to this Web Site without Zurich’s written permission. If you are interested in linking to this Web Site, please contact dnstech@zurichna.com.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of Illinois USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

The Web Site is operated by Zurich American Insurance Company on behalf of the Zurich companies (identified below), from its offices in Schaumburg, Illinois USA.

Arbitration

Any controversy or claim arising out of or relating to these Legal Terms or this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Chicago, Illinois USA.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

The subsidiaries of Zurich American Insurance Company

For purposes of these Legal Terms, “Zurich” means Zurich American Insurance Company and its subsidiary companies, as set forth below. Certificate of authority numbers, by state, for each of the companies (except as noted) are available by clicking here.

American Guaranty and Liability Insurance Company One Liberty Plaza, 165 Broadway, 53rd Floor New York, New York 10006 Licensed in: All states including DC		American Zurich Insurance Company 1400 American Lane Schaumburg, Illinois 60196 Licensed in: All states including DC
Assurance Company of America One Liberty Plaza, 165 Broadway, 53rd Floor New York, New York 10006 Licensed in: All states including DC		Colonial American Casualty and Surety Company 3910 Keswick Road Baltimore, Maryland 21211 Licensed in: All states including DC, excluding ME, NH
The Fidelity and Deposit Company of Maryland 3910 Keswick Road Baltimore, Maryland 21211 Licensed in: All states including DC, PR, Guam, U.S. Virgin Islands		Maine Bonding and Casualty Company Two Monument Square Portland, Maine 04101 Licensed in: AK, AR, DC, ME, MA, NE, NH, ND, OH, OR, RI, SD, VT, WA
Maryland Casualty Company 3910 Keswick Road Baltimore, Maryland 21211 Licensed in: All states including DC, PR, U.S. Virgin Islands, Guam		Maryland Insurance Company 9330 LBJ Freeway, Suite 1300 Dallas, Texas 75243 Licensed in: AL, AK, AR, DC, ID, IL, IA, KY, LA, NE, NM, ND, OK, OR, SD, TX, WA, WI
Maryland Lloyd's 9330 LBJ Freeway, Suite 1300 Dallas, Texas 75243 Licensed in: TX		Mountbatten Surety Company, Inc. 33 Rock Hill Road Bala Cynwyd, Pennsylvania 19004 Licensed in: AL, AR, CT, DE, DC, FL, GA, IL, IN, IA, KY, MD, MI, MS, NJ, NY, NC, OH, PA, SC, TN, TX, VA, WV
National Standard Insurance Company 9330 LBJ Freeway, Suite 1300 Dallas, Texas 75243 Licensed in: AL, AK, AR, DC, ID, IA, KY, LA, NE, NM, ND, OH, OR, OK, SD, TX, WA		Northern Insurance Company of New York One Liberty Plaza, 165 Broadway, 53rd Floor New York, New York 10006 Licensed in: All states including DC
Steadfast Insurance Company 32 Loockerman Square, Suite 202 Dover, Delaware 19904 Licensed in: DE		Valiant Insurance Company 2222 Grand Avenue Des Moines, Iowa 50265 Licensed in: All states including DC, excluding HI, MA, NV
Zurich American Insurance Company One Liberty Plaza, 165 Broadway, 53rd Floor New York, New York 10006 Licensed in: All states including DC, PR, U.S. Virgin Islands		Zurich American Insurance Company of Illinois 1400 American Lane Schaumburg, Illinois 60196 Licensed in: All states including DC, excluding AL, DE, HI, ME, MA, NH, NJ, NY, NC, PA, VT, WA, WY

Termination

Zurich may terminate the right of any user to access the Web Site at any time, with or without cause, in Zurich’s absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Web Site of specific grounds for termination of a user's right to access the Web Site shall in no manner limit Zurich’s absolute right to terminate any user's access to the Web Site.

Last update of this page: March 5, 2002

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