BY USING THIS WEBSITE, YOU AGREE TO THESE
TERMS OF USE. IF YOU DO NOT AGREE TO
THESE TERMS OF USE, DO NOT USE THIS WEBSITE.
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.
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.
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.
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.
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.
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.
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.
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.
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.