We do not warrant or guarantee the accuracy or completeness of the information provided on this site. Under no circumstances will we be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information.

The information on this site may be changed or updated without notice. We may also make improvements and/or changes to the products and/or services described on this site at any time without notice.

Information concerning us, our subsidiaries, employees, policyholders, customers, agents, or others where data is collected, stored, or processed is the property of ours and is confidential, except for necessary disclosures required by law.

You may cite or refer to the information on this site and make copies of the information for your own use.

Should any of these terms and conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent by us. Provisions not otherwise held invalid shall remain in force.

You may note that various sections of the pages on this site provide hypertext links to other sites created by other organisations.

We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timelines of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors.

It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature.

We will not be liable to any party for any loss or direct, indirect, incidental, special or consequential damages caused by use of this site, or any other hyperlinked site.

We use cookies to track this site and are managed through Google Analytics. They allow us to track visitor journeys through the site and record certain information. This includes (but is not limited to) device type, browser type, approximate location and your connection speed.

Google Analytics cookies are persistent, meaning that they remain on your computer after you have left our site. You can delete these cookies through your browser settings. Google’s Privacy Policy is available here.

For reference, these cookies have the following prefixes:

• _utma, _utmb, _utmc, _utmz

Where you view video through our site (for example on one of our blogs), Google may use additional cookies to track the videos you have viewed. If you are signed into Google at the time of viewing the video, Google may associate these video views with your Google account.

For reference, these cookies have the following prefixes (in addition to standard Google Analytics cookies):

• SID, login_info, use_hotbox, pref, SSID, HSID, watched_video_id_list, demographics, visitor_info1_live

Importantly, unless information is specified, none contained in this site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. The information on our products and services is provided to you so that you can learn what products we generally offer.

Coverage statements on this site are for general description purposes only. This site does not amend, modify or supplement the policies. Furthermore, not all coverages are available in every state or country. Consult the actual policy or send us a message via our Contact Us page.

The information provided on this site is distributed with the understanding that we are not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.

We specifically disclaim all warranties with respect to this web site or your use thereof, express, implied, or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. We shall not be liable for any damages resulting from the use or misuse of this site or the information on this site.