SITE TERMS AND CONDITIONS
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N O T I C E
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE OR
ANY OF THE PAGES OR SCREENS CONTAINED WITHIN THE SITE, YOU AGREE TO BE BOUND
BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND
CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY OF ITS PAGES OR SCREENS.
COPYRIGHT © PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. 2000 to 2021. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages and in the
information and material therein and in their arrangement, is owned by PersonalUmbrella.com Insurance Services, Inc.
unless otherwise indicated. Permission to utilize this site is granted for non-
commercial, or educational purposes. Permission is also granted to describe this
document, but not to reproduce, download, disseminate, publish or transfer, in any
form or by any means, all or any portion of this site without the written permission
of and with express attribution to PersonalUmbrella.com Insurance Services, Inc..
TRADEMARKS and TRADE NAMES
PersonalUmbrella.com Insurance Services, Inc. and MainStreetUmbrella.com and Navigators Group claim trademark and
service mark rights in other marks contained in the pages or screens of this site.
Any software or file that is made available to download from this server
("Software") is the copyrighted work of PersonalUmbrella.com Insurance Services, Inc. and/or its suppliers. Use of
the Software is governed by the terms of the end user license agreement, if
any, which accompanies or is included with the Software ("License Agreement").
An end user will be unable to install any Software that is accompanied by or
includes a License Agreement, unless the terms of the License Agreement are
first agreed to.
The Software is made available for downloading solely for use by end users
according to the License Agreement. Any reproduction, redistribution or manipulation
of the Software not in accordance with the License Agreement is expressly
prohibited by law. PersonalUmbrella.com Insurance Services, Inc. disclaims all warranties, including as provided
in the Warranties terms below, except as warranted by PersonalUmbrella.com Insurance Services, Inc. in the License
RESTRICTED RIGHTS LEGEND. Any Software which is downloaded from this Server
for or on behalf of the United States of America, its agencies and/or
instrumentalities ("U.S. Government"), is provided with Restricted Rights.
Use, duplication, or disclosure by the U.S. Government is subject to restrictions
as set forth in subparagraphs (c)(1) and (2) of the Commercial Software-Restricted
Rights at 48 CFR 52.227-19, as applicable.
NO WARRANTIES OR GUARANTEES.
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS,
LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. DOES NOT
WARRANT THE ACCURACY, ADEQUACY, TIMELINESS OR COMPLETENESS OF THIS INFORMATION
AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS AND OMISSIONS IN
THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR
STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF
THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND
MATERIALS. THERE ARE NO WARRANTIES OR GUARANTEES THAT ANY INFORMATION DIRECTLY
OR INDIRECTLY TRANSMITTED TO OR FROM THIS SERVER IS SECURE AND THAT ANY
INFORMATION CONVEYED WILL BE PRIVATE
LIMITATION OF LIABILITY.
IN NO EVENT WILL PERSONALUMBRELLA.COM INSURANCE SERVICES, INC., ITS PARENTS, SUBSIDIARIES OR AFFILIATES, OR THEIR
DIRECTORS, OFFICERS OR EMPLOYEES, BE LIABLE FOR ANY DAMAGES, (INCLUDING WITHOUT
LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES)
LOSSES, EXPENSES OR TAXES ARISING IN CONNECTION WITH THIS SITE OR ITS CONTENT,
OR USE THEREOF, OR INABILITY TO USE, BY ANY PERSON, OR IN CONNECTION WITH ANY
FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION
OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PERSONALUMBRELLA.COM INSURANCE SERVICES, INC., OR
ANY REPRESENTATIVES OF IT, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES,
EXPENSES OR TAXES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK;
THE CONTENT, ACCURACY, OPINIONS EXPRESSED AND OTHER LINKS PROVIDED BY OR THROUGH
THIS SITE ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY PERSONALUMBRELLA.COM INSURANCE SERVICES, INC..
All information and graphics submitted to PersonalUmbrella.com Insurance Services, Inc. via this site shall be
deemed and remain the property of PersonalUmbrella.com Insurance Services, Inc. and PersonalUmbrella.com Insurance Services, Inc. shall be free to use,
for any purpose, any ideas, concepts, know-how or techniques contained in
information a visitor to this site provides PersonalUmbrella.com Insurance Services, Inc. through this site.
PersonalUmbrella.com Insurance Services, Inc. shall not be subject to any obligations of confidentiality regarding
submitted information, except as agreed by the PersonalUmbrella.com Insurance Services, Inc. entity having the direct
customer relationship or as otherwise specifically agreed or required by law.
Access to and retrieval of non-proprietary content from this site is voluntary
and unrestricted. This site is not a solicitation by PersonalUmbrella.com Insurance Services, Inc. of any individual,
group, entity or market in any particular jurisdiction. By virtue of maintaining
this passive site, PersonalUmbrella.com Insurance Services, Inc. shall not be construed to be doing or transacting
business or otherwise being subject to the jurisdiction of any governmental
authority in which the user, or this or any linked site server vendor or internet
provider is resident, domiciled or located. Not all products
are available for
sale or purchase as generically described herein and not all of the Diamon State
insurance companies are admitted in every state and for every line of insurance.
Some products are only offered on a non-admitted basis, pursuant to law.
APPLICATION AND POLICIES.
PersonalUmbrella.com Insurance Services, Inc. does not sell insurance or solicit applications for insurance through
this site. Policies, applications and related information are provided solely
for informational purposes when actively sought by the user.
Coverages will vary
depending upon individual state law requirements and may be unavailable in some
states. Check with your broker or PersonalUmbrella.com Insurance Services, Inc. agent for further information.
Applications are only provided to licensed agents, brokers, or surplus lines
brokers for PersonalUmbrella.com Insurance Services, Inc. insurance companies licensed or eligible to write surplus
lines in the State Availability List.
PersonalUmbrella.com Insurance Services, Inc. is not responsible for any manipulated, altered, revised, or printed
versions of the information provided within or by this site or any linked site.
ANY SUMMARY OF COVERAGE IS GENERALLY DESCRIPTIVE OF TERMS THAT MAY BE AVAILABLE.
ACTUAL COVERAGE IS DETERMINED ONLY PURSUANT TO THE TERMS AND CONDITIONS OF THE
POLICY THAT IS ISSUED BY THE PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. COMPANIES.