Terms of Use

Not all insurance coverages or products may be available in all states and policy terms may vary based upon individual state requirements. Issuance of coverage is subject to underwriting and coverage depends upon the actual facts of each case and the terms, conditions and exclusions of the master policy and each respective certificate of insurance. Any terms or rates reflected herein are for illustrative purposes only and are not intended to reflect actual or proposed rates or terms of any insurance company under any insurance policy or certificate of insurance. Anyone interested in obtaining the specific terms of the insurance coverage should request a copy of the master policy and a certificate of insurance for a description of the scope and limitations of coverage. Products will be offered by a surplus lines insurance company that is not licensed as an admitted insurance company in your state and are therefore only available through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are not protected by such funds, and surplus lines insurers are not always subject to the same insurance regulatory standards applicable to licensed admitted insurance companies.