CONDITIONS OF USE

By using this website and other Empire Underwriters LLC, Empire General Insurance Agency LLC sites that are linked to this website, you agree to the following terms and conditions. Please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions and should periodically visit this page to review the most recent Terms and Conditions.

COPYRIGHT AND TRADEMARKS:

This websites is owned by Empire Underwriters LLC, Empire General Insurance Agency LLC. Unauthorized use of these sites, and/or the materials contained therein may violate applicable copyright, trademark or other laws. No part of the materials made available on these websites may be reproduced, stored in a retrieval system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval. Materials displayed on these websites may be downloaded for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials are retained.

DISCLAIMER:

The information and descriptions contained in these websites are provided solely for informational purposes, and are not intended to be complete or accurate descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by Empire Underwriters LLC, Empire General Insurance Agency LLC. You agree that it is your duty as Agent/Broker to study the policies and familiarize your customers with the exclusions and restrictions of the products we offer, and that this duty does not apply to Empire Underwriters LLC, Empire General Insurance Agency LLC. The materials on these websites are provided “as is” and without warranties of any kind either expressed or implied. To the fullest extent permissible under applicable law, Empire Underwriters LLC, Empire General Insurance Agency LLC and its affiliates and distributors disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Empire Underwriters LLC, Empire General Insurance Agency LLC does not warrant or make any representations regarding the accuracy, completeness, currency or reliability of any of the content on these websites, nor does it warrant or represent that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

LIMITATION OF LIABILITY:

Empire Underwriters LLC, Empire General Insurance Agency LLC assumes no responsibility and shall not be liable for any damage to your computer equipment or other property as a result of your access to, use of, or browsing in these websites, or your downloading of any materials, data, text, images, audio and video from these site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure. You, and not Empire Underwriters LLC, Empire General Insurance Agency LLC, assume the entire cost of all necessary servicing, repair or correction.

Under no circumstances, including, but not limited to, negligence, shall Empire Underwriters LLC, Empire General Insurance Agency LLC be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind that arise from the use of, or the inability to use, these websites or the materials on these websites, whether based on warranty, contract, tort or any other legal theory, and even if Empire Underwriters LLC, Empire General Insurance Agency LLC has been advised of the possibility of such damages.

Notwithstanding the foregoing, if Empire Underwriters LLC, Empire General Insurance Agency LLC. 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 these sites or their content Empire Underwriters LLC, Empire General Insurance Agency LLC liability, where permitted by law, shall not exceed, in the aggregate, the greater of 1) the amount paid by you to access these sites, or 2) US$25.00

HYPERLINKS:

This website may be linked to other websites which are not maintained or controlled by Empire Underwriters LLC, Empire General Insurance Agency LLC is not responsible for the content of those websites. The inclusion of any links does not imply approval or endorsement by Empire Underwriters LLC, Empire General Insurance Agency LLC of those websites or their content. If you decide to access other websites, you do so at your own risk.

INDEMNIFICATION:

You shall indemnify and hold Empire Underwriters LLC, Empire General Insurance Agency LLC, its affiliates, successors in interest, officers, directors, employees and agents harmless from and against any claim, cause of action or demand, including without limitation reasonable legal fees, brought by or on your behalf in excess of the liability described herein or by third parties as a result of your use of this site.

PRIVACY:

Collection of Customers’ Information

Empire Underwriters, LLC, Empire General Insurance Agency, LLC (herein referred to as “Empire”) is provided with information from its producers, brokers and agents hereafter referred to as “Clients” that is used in evaluating their Customers (herein referred to as “Customers”) application(s) to determine possible acceptability and insurability. Empire reserves the right to collect non-public, business and personal information about these Customers from many sources, however not limited to, Acord applications, supplemental questionnaires, motor vehicle reports, business or consumer credit reports, reports from insurance companies, state license boards, loss history reports, legal status records or any other records source available to Empire at its discretion.

Disclosure of Collected Client Information

Empire Underwriters, LLC, Empire General Insurance Agency does not disclose any nonpublic information about its customers or former customers to any parties other than those who require the information to provide services to Client, except as mandated by law. In some cases this may mean information can be disclosed to third parties without Client’s authorization. Third parties that may be provided with Client’s nonpublic information include all external agencies from which Empire Underwriters, LLC, Empire General Insurance Agency receives information from as listed above.

Empire Underwriters, LLC, Empire General Insurance Agency restricts access of nonpublic client information to employees who require such information in order to provide Client with products, benefits or other services. Empire Underwriters, LLC, Empire General Insurance Agency maintains physical, electronic, and procedural safeguards that comply with state and federal regulations to guard Client’s nonpublic personal information.

Client has the right to obtain access to certain items of information that have been collected. Client has the further right to request correction of information if it is felt that the information is inaccurate.

Important Notice

IN COMPLIANCE WITH THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT (PUBLIC LAW 91-508), PROWORKS INSURANCE SERVICES ADVISES THAT AS PART OF OUR ROUTINE PROCEDURE IN REVIEWING APPLICATIONS FOR INSURANCE OR RENEWALS OF INSURANCE POLICIES, WE MAY PROCURE A CONSUMER REPORT INCLUDING INFORMATION AS TO THE CONSUMER’S OR POLICY HOLDERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING. IF INSURANCE IS FOR AN INDIVIDUAL AND IS PRIMARLY FOR PERSONAL AND FAMILY OR HOUSEHOLD PURPOSES, SUCH INFORMATION MAY BE OBTAINED THROUGH PERSONAL INTERVEIWS WITH NEIGHBORS, FRIENDS OR OTHERS WITH WHOM THE CONSUMER IS ACQUIANTED.

END OF PRIVACY POLICY.

GOVERNING LAW:

These terms and conditions of this Agreement shall be governed by and interpreted according to the laws of the State of Florida, without giving effect to Florida’s conflict of law principles.

SEVERABILITY:

If any provision of this Agreement shall be determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions.

DOCUMENT SUBMISSION

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