The FCCI Insurance Group includes FCCI Insurance Company, FCCI Commercial Insurance Company, National Trust Insurance Company, FCCI Advantage Insurance Company, Monroe Guaranty Insurance Company and Brierfield Insurance Company and their parent, subsidiary and affiliated companies (“FCCI”).  FCCI is headquartered in Sarasota, Florida. 


Authorization of Use

This website is owned and operated by FCCI.  Unauthorized use of this site and the materials contained herein may violate applicable law.  No part of the materials made available on this website may be reproduced in any form or by any means without prior written approval of FCCI.  Materials displayed on this site may be used for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials are retained. 


User ID/Password Use

If you have been assigned a userID and/or password (“Password”) for access to restricted portions of this website, you are responsible for all activities engaged in under your Password.  You are responsible for protecting your Password from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies.  Use of FCCI’s systems is subject to monitoring by FCCI, and users should have no expectation of privacy while accessing these systems.



You acknowledge and agree that the services and materials accessed via this website may include FCCI proprietary and/or confidential information, including personally identifiable information.  You agree to preserve and protect the confidentiality of such information, and to comply with applicable federal, state and local laws and regulations governing the collection and use of non-public financial and medical information accessed on or through this website.  You specifically agree not to disclose, copy, redistribute, use or publish any non-publice personal information that you may obtain through access to this website, except as allowed under these terms and as permitted by law.


General Disclaimer

This website is not intended as a solicitation in any jurisdiction in which FCCI is not authorized to transact business.  The information and materials contained on this website do not constitute an offer or solicitation for the sale of any security or insurance product in any jurisdiction.  Products described on this website may not be available in all jurisdictions.  You may not be eligible for all of the products or services described on this website.  FCCI reserves the right to determine all eligibility for such products and services in its sole discretion.  The information and materials contained on this website may provide a general description of certain types of insurance products, coverage and services available through FCCI in certain jurisdictions.  The information and descriptions contained on this website are provided solely for informational purposes and are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by FCCI.  These descriptions are not a part of any insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by FCCI.  Please contact your independent agent for  details specific to your policy.  The material on the FCCI website is provided for informational purposes only and is not legal or professional advice. 


Warranties Disclaimer and Limitation of Liability

FCCI makes no representations about the suitability or content of this website for any purpose. FCCI makes no warranty as to the accuracy, completeness, currency or reliability of the content.  FCCI does not have the duty to update this website or its content of this website. This website and its content are provided “as is” without warranty of any kind, either express or implied.  To the fullest extent permissible under applicable law, FCCI and its affiliates disclaim all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, quiet enjoyment, systems integration or accuracy. No warranty or representation is made that the use of the information or functions contained in this website will be error-free or uninterrupted, that defects will be corrected, or that this website or server are free of viruses or other harmful components. 


FCCI shall have no responsibility or liability for any injury or damages, whether caused by negligence of FCCI, its employees, subcontractors, agents, suppliers, or otherwise, arising in connection with: 1) your access to or use of this website; or 2) any fault, inaccuracy, delay, failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, line or system failure, or any other failure in the website.  You are responsible for any consequences of accessing or using this website or its content, and for taking all necessary precautions to ensure that any content you may access, download or otherwise obtain is free of viruses or any other harmful components. 

Under no circumstances, including, but not limited to negligence of FCCI, its employees, subcontractors, agents or suppliers, shall FCCI be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind that arise from accessing, the use of, or the inability to use this website or the materials contained in this website, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, whether based on warranty, contract, tort or any other legal theory, and even if FCCI has been advised of the possibility of such damages.  Notwithstanding the foregoing, if FCCI should be found liable for any loss or damage which arises out of or is in any way connected with any of the above described functions or uses of this website or its content, FCCI’s liability, where permitted by law, shall not exceed, in the aggregate, the greater of 1) the amount paid by you to access this website or 2) US $100. 



You agree that by virtue of your use of this website that you have the obligation to indemnify and hold FCCI harmless from any loss, damage or expense, including attorney fees, that FCCI incurs as a result of (a) your misuse of this website; (b) your misuse of login information for this website; and/or (c) your misuse of any FCCI services or materials accessed through this website.


Links to Other Sites

The links to third party websites are provided solely as a convenience to you.  Links to third party websites or references to products, services or publications, other than those of FCCI, do not imply FCCI’s endorsement, authorization, sponsorship, affiliation or approval of such websites, products, services, publications or their owners or providers. 

Third party websites are not under the control of FCCI.  As such, FCCI makes no representations or warranties regarding the content, accuracy, timeliness, completeness or security of the materials contained on any of the linked websites.  FCCI does not make any representations or warranties, express or implied, with respect to the use of the links provided on its website.  You acknowledge and agree that FCCI is not liable for any consequences arising out of your access to or use of such sites.  Your access to and use of any third party site linked to or from this website is at your own risk and FCCI assumes no obligation or liability in connection therewith.  FCCI may disable a link at any time and will remove any link from this website at the third party site owner’s request. 


Third Party Trademarks

All trademarks, service marks, and trade names are the marks of the respective owner(s), and any unauthorized use is strictly prohibited.  FCCI does not sponsor nor is it affiliated with any owners of trademarks, service marks or trade names used on this website, including those trademarks constituting a hyperlink, other than those of FCCI.  The display of trademarks on this website does not imply a license of any kind has been granted. 



FCCI may, at any time, for any reason and without notice, make changes to this website, its format and content, terms of use, and to any products and services described on this website. By your continuing use of the website after changes are posted, you will be deemed to have accepted such changes. 



FCCI may, at any time, for any reason, in its sole discretion and without notice, terminate access to or operation of this website. 


Separate Agreements

These Terms of Use are separate from any agreements you may have with FCCI or any of its affiliates.  These Terms of Use do not modify, revise or amend the terms of any agreements you may have with FCCI or any of its affiliates.


Governing Law

Use of this website shall be governed by Florida law, without regard to principals of conflict of laws, and jurisdiction and venue shall be in Sarasota, Florida.  If any part of these Terms of Use conflict with applicable law, these Terms of Use shall be deemed modified to conform to the law, without affecting the remaining portions of the Terms of Use. 


Monthly Self Bill Online Payments

For monthly self bill online payments, FCCI does not have access to your bank account information nor is any account or financial information stored by FCCI. Bank of America processes all online payments through their secure site. FCCI does not share any information provided by you during the online reporting or payment process with any third party.


If a monthly self bill online payment is not processed due to insufficient funds in your account, you may be charged a fee as allowed by law.


Separate from Terms of Use

Producer Compensation Disclosure

Your independent agent may receive a commission from FCCI* for placing your insurance with an FCCI company.  In addition to this commission, your independent agent may receive additional compensation for achieving pre-established profitability levels, sales targets, or other incentives FCCI may set.  Please direct any questions regarding producer compensation to your independent agent.


*FCCI includes FCCI Insurance Company, FCCI Commercial Insurance Company, Monroe Guaranty Insurance Company, National Trust Insurance Company and Brierfield Insurance Company and their affiliated companies.