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Terms & Conditions

Please read Insurance Line One ’s Terms of Use carefully before using the website, www.insurancelineone.com, (the "website"). By using the website, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the website. Your continued use of the website will constitute your acceptance of these Terms of Use, as may be modified by Insurance Line One at any time without notice to you. Please check this page regularly for updates.

Permitted Use

All of the content in the website is made available only for your personal, lawful, noncommercial use in connection with seeking insurance. Use of the website by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission: (i) link from another website to the webite; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the ite; or (iii) engage in systematic retrieval of data or other content from the website.

Copyrights and Trademarks

Except as otherwise indicated, all materials in the website, including the Insurance Line One logo and other Insurance Line One trademarks and service marks, are the property of Insurance Line One Insurance Services, Inc. and/or its affiliates or licensors and are protected by international copyright and trademark laws, all rights reserved.

You may use materials obtained from the website for the permitted purposes set forth in these Terms of Use, provided that the following copyright notice appears in all copies of any downloaded or printed materials: "© 2009 Insurance Line One, LLC All rights reserved." Any other use is prohibited.

Our Products and Services

The information and materials provided in the website are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Insurance Line One' s products and services. All overages are subject to the terms and conditions of the insurance policies issued.

Coverage and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The products and services offered in the site are only available in the jurisdictions in which Insurance Line One is properly licensed.

Privacy and Passwords

Insurance Line One values and protects the privacy of your information. Please review the Insurance Line One Privacy as it contains important information relating to your use of the site.

Some portions of the site are protected and require a user identification code (User ID) and password for access. Unauthorized access or use of such portions of the site is prohibited. You agree that you will notify Insurance Line One immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred.

For your protection, if Insurance Line One believes that any unauthorized access may occur or has occurred, We may terminate such access without prior notice. You also agree that Insurance Line One is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Third-Party Sites

At times, the website may have links to websites hosted by other parties ("Third-Party Sites"), or such Third-Party Sites may have links to the site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by Insurance Line One of the Third-Party Sites.

The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. Insurance Line One does not verify nor make any warranty or representation about the content, accuracy, opinions expressed warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. You should read the Privacy Policies and Terms of Use agreements of all Third-Party Sites.

Disclaimer of Warranties

All information, products, content and other materials in the website, accessible from the site, or in a Third-Party Site are provided "as is" and without warranties or representations of any kind, either express or implied.

This means that Insurance Line One disclaims all warranties, expressed or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, Insurance Line One does not represent or warrant that: (i) the operation of the site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the site, any emails sent by Insurance Line One , or the server that makes the site available are free of viruses or other harmful devices; (iv) the site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date; or (vi) the products or services offered through the site are available outside of the United States or in jurisdictions in which Insurance Line One is not properly licensed.

If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of Liability

Insurance Line One shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if Insurance Line One has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the site, materials in the site, or the inability to use the Site; (ii) any third-party site, materials in any Third-Party site, or the inability to use any Third-Party site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of Insurance Line One 's gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Insurance Line One 's total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the site.

Jurisdiction, Enforceability, and Termination

In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to Insurance Line One by discontinuing all use of the information contained in the website and destroying the materials you have obtained from the website, including all related documentation and copies. Insurance Line One may terminate these Terms of Use and/or the products or services offered by Insurance Line One at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the website and destroy the materials you have obtained from Insurance Line One , including all related documentation and copies. Insurance Line One is also entitled to terminate all or part of the website at any time, without notice to you.

These Terms of Use state the entire agreement with regard to the items discussed above.