Terms and Conditions

By using Insurance Leader in any manner (whether browsing, following a link, sending an e-mail to an Insurance Leader e-mail address, obtaining or saving or retrieving policy information, making a purchase or policy payment, or using any other content or materials on Insurance Leader), you agree to all terms and conditions contained or referenced in these Terms and Conditions of Use. These Terms and Conditions of Use apply only to your use of Insurance Leader and do not change or alter any other agreement or contract between you and Insurance Leader. Insurance Leader reserves the right, in its sole discretion, to modify or change these Terms and Conditions of Use at any time without prior notice to you. Your continued use of Insurance Leader following the posting of any changes to the Terms and Conditions of Use constitutes acceptance of those changes. If at any time, you choose not to accept these Terms and Conditions of Use, please do not use this Web site or send e-mail to any Insurance Leader e-mail address.


The insurance products and services offered by Insurance Leader can only be offered in jurisdictions in which Insurance Leader is licensed or otherwise qualified to conduct such business. Any description of our products and services is for informational purposes only and is not intended to be an offer to sell or a solicitation in connection with the products and services. Insurance coverage provided by Insurance Leader is strictly subject to the specific terms, conditions and provisions of the policy issued. Services provided by Insurance Leader are strictly subject to the terms, conditions and provisions of the applicable contract or agreement.


This Web site has been compiled in good faith. To the fullest extent permissible pursuant to applicable law, the materials on this Web site are provided as is and without warranties of any kind, either expressed or implied, and Insurance Leader, and its subsidiaries and affiliates, disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Insurance Leader does not warrant that, the functions contained in the materials will be uninterrupted or error-free, that, defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. Insurance Leader does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Insurance Leader) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement. This Web site may be linked to other Web sites, which are not maintained by Insurance Leader. Insurance Leader is not responsible for the content of those Web sites. The inclusion of any link to such Web sites does not imply approval of or endorsement by Insurance Leader of the Web sites or the content thereof.

Limitation of Liability

While Insurance Leader uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Insurance Leader makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall Insurance Leader or any party involved in creating, producing, or delivering the Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if Insurance Leader or an Insurance Leader authorized representative has been advised of the possibility of such damages. In no event shall Insurance Leader's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site. Insurance Leader also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

Ownership and Restrictions On Use Of Materials

This Web site is owned and operated by Insurance Leader. Except as otherwise expressly permitted by Insurance Leader, no materials from this Web site or any Web site owned, operated, licensed or controlled by Insurance Leader may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only, provided, that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video without Insurance Leader's written permission. Insurance Leader neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties.

Links to Insurance Leader and other sites

This Web site contains links to other sites (including, but not limited to, governmental bodies, insurance associations, and others). Insurance Leader provides links to other sites as a convenience to persons who visit the Insurance Leader Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Insurance Leader). Please be aware that Insurance Leader is not responsible for the privacy practices of those sites, even though Insurance Leader's name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site. Insurance Leader is not responsible for the contents of any linked site or any link contained in a linked site.

Trademarks and Copyrights

All trademarks, services marks, trade names, logos, and icons are strictly proprietary to Insurance Leader. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of an officer of Insurance Leader. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited. Images displayed on this Web site are either the property of, or used with permission by, Insurance Leader. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Insurance Leader. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

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