Terms of Use
LAST CHANGED: January 14, 2014
A. TERMS APPLICABLE TO ALL USERS
1. Introduction
YOUR USE OF THIS WEB SITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING
TO THESE TERMS OF USE.
For users who are not registered with this Web Site, your use of the Web Site will
be deemed to be acceptance of the Terms of Use, Section A.
For users who are registered with the Web Site, your use of the Web Site shall be
subject to certain designated terms (found at Section B below) in addition to those
terms applicable to all users.
IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY
TERMINATE YOUR USE OF THIS WEB SITE.
You may print a copy of these Terms of Use for your records at any time by using
the "print" function on your internet browser.
These Terms of Use ("Legal Terms") describe the terms and conditions applicable
to your access and use of this web site, which is owned, operated and controlled
by Zurich American Insurance Company ("Zurich", "we", "us",
or "our"). Zurich does business as Zurich in North America.
Zurich may, at any time, for any reason and without notice, make changes to (i)
this Web Site, including its look, feel, format, and content, as well as (ii) the
products and/or services as described in this Web Site. Any modifications will take
effect when posted to the Web Site. Therefore, each time you access the Web Site,
you need to review the Legal Terms upon which access and use of this Web Site is
conditioned. By your continuing use of the Web Site after changes are posted, you
will be deemed to have accepted such changes.
This web site ("Web Site") is directed to those individuals and entities
located in the United States. It is not directed to any person or entity in any
jurisdiction where (by reason of nationality, residence, citizenship or otherwise)
the publication or availability of the Web Site and its content, including its products
and services, are unavailable or otherwise contrary to local laws or regulations.
If this applies to you, you are not authorized to access or use any of the information
on this Web Site. Zurich makes no representation that the information, opinions,
advice or other content on the Web Site (collectively, "Content") is appropriate
or that its products and services are available outside of the United States. Those
who choose to access this Web Site from other locations do so at their own risk
and are responsible for compliance with applicable local laws.
Not all of the products and services described on this Web Site are available in
all geographic areas of the United States. You may not be eligible for all of the
insurance products and services described in this Web Site. Zurich reserves the
right to determine all eligibility for such products and services in its sole discretion.
The Web Site may provide a general description of certain types of insurance products,
coverage and services available through Zurich. These descriptions are not a part
of an insurance contract or policy and do not amend, revise or alter the terms of
any policy issued through or services provided by Zurich.
2. Scope of Use and User E-Mail
You are only authorized to view, use, copy for your records and download small portions
of the Content (including without limitation text, graphics, software, audio and
video files and photos) of this Web Site for your informational, non-commercial
use, provided that you leave all the copyright notices, including copyright management
information, or other proprietary notices intact. You may not store, modify, reproduce,
transmit, reverse engineer or distribute a significant portion of the Content on
this Web Site, or the design or layout of the Web Site or individual sections of
it, in any form or media. The systematic retrieval of data from the Web Site is
also prohibited.
E-mail submissions over the Internet may not be secure and are subject to the risk
of interception by third parties. Please consider this fact before e-mailing any
information. Also, please consult our Privacy Notice in these Legal Terms. You agree
not to submit or transmit any e-mails or materials through the Web Site that (i)
are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan
horse or any other harmful component, (iii) incorporate copyrighted or other proprietary
material of any third party without that party's permission or (iv) otherwise violate
any applicable laws. Zurich shall not be subject to any obligations of confidentiality
regarding any information or materials that you submit online except as specified
in these Legal Terms, or as set forth in any additional terms and conditions relating
to specific products or services, or as otherwise specifically agreed or required
by law.
The commercial use, reproduction, transmission or distribution of any information,
software or other material available through the Web Site without the prior written
consent of Zurich is strictly prohibited.
3. Copyrights and Trademarks; Digital Millennium Copyright Act Take-Down Procedures
The Web Site is protected by copyright as a collective work and/or compilation,
pursuant to U.S. copyright laws, international conventions and other laws. Unless
otherwise indicated, the Content, including, but not limited to, graphic images,
buttons, layout, trademarks, service marks, logos, text, and other materials contained
in this Web Site are the exclusive property of Zurich or its third party licensors;
except as otherwise set forth in the following paragraphs of this Section 3. Except
as expressly provided under the "Scope of Use" Section above, you may
not use, reproduce, modify, transmit, distribute, or publicly display or operate
this Web Site without the prior written permission of Zurich. You may not use a
part of this Web Site on any other web site, without Zurich's prior written consent.
For some of our users who are registered with Zurichna.com, we provide “bulletin
board-type” services, where users are able to post messages or other materials that
will be accessible only to other registered users of their choice. Because we provide
these services, Zurich takes special precautions to respect the intellectual property
of others and we ask that our users do the same. If you believe that the Web Site
displays copyrighted material that infringes on your legal rights, and you want
us to take down or disable the infringing materials, please provide Zurich's copyright
agent with the information listed below, which is intended to substantially conform
to the requirements set forth in the Digital Millennium Copyright Act, 17 U.S.C.
Section 512 (c)(3)(A).
Our Designated Agent for Notice of claims of copyright infringement on the Web Site
is accessible through Email at: dnstech@zurichna.com.
The following information must be submitted so that we may properly address any
notice of complaint:
Identification of the copyrighted work claimed to be infringed.
Identification of the material claimed to be infringing together with "information
reasonably sufficient to permit the service provider to locate the material."
Specifically, a complete URL or URLs in the case of multiple works, must be provided.
Your address, telephone number, and email address.
A statement that the complaining party believes, in good faith, that the copyrighted
material identified is being used in a manner that is not authorized by "the
copyright owner, its agent, or the law."
A statement that the information in the notification is accurate, and under penalty
of perjury, that the complaining party is authorized to act on behalf of the owner
of an exclusive right that is allegedly infringed; plus a physical or electronic
signature of the complaining party.
Any notification that fails to comply with the provisions above may not, in our
sole discretion, be considered sufficient notice and may not be deemed to confer
upon Zurich actual knowledge of facts or circumstances from which infringing material
or acts are evident.
4. Links
Zurich offers links to other web sites operated by other entities as a convenience
to you in the belief that making hyperlinks available to publicly accessible web
pages and newsgroups is legally permissible and consistent with the common, customary
expectations of those who make use of the Internet. Zurich makes no representation
regarding the content or accuracy of any web site that you may access through this
Web Site. Zurich does not monitor and is not responsible for the content found on
other web sites that are linked from this Web Site. Inclusion of these links on
Zurich's Web Site does not imply endorsement, recommendation or sponsorship for
any linked web site or the services, products or advice described on the site. Accordingly,
Zurich assumes no responsibility or liability for the content of any linked sites.
Before entering any linked site, you should review and understand that site's privacy
policy.
You may not link to this Web Site without Zurich's written permission. If you are
interested in linking to this Web Site, please contact
dnstech@zurichna.com.
5. No Warranties
THE WEB SITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS
AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR
IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY,
AND NON-INFRINGEMENT, ALL OF WHICH ZURICH EXPRESSLY DISCLAIMS. ZURICH DOES NOT ENDORSE
AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY
OF THE CONTENT, AND ZURICH WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE
OR DELAY IN UPDATING THE WEB SITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE
CONTENT OF THE WEB SITE. ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE
OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY
RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEB SITE AND USING THE CONTENT, AND
FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS,
DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS.
THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND
SERVICES OFFERED BY ZURICH. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES,
SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL
RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
6. Governing Law, Location and Miscellaneous
These Legal Terms shall be governed in all respects by the laws of the State of
Illinois USA, without reference to its choice of law rules. If an applicable law
is in conflict with any part of the Legal Terms, the Legal Terms will be deemed
modified to conform to the law. The other provisions will not be affected by any
such modification.
The Web Site is operated by Zurich American Insurance Company on behalf of the member
companies of Zurich North America (identified below in Section 7), from its offices
in Schaumburg, Illinois USA.
7. The subsidiaries of Zurich American Insurance Company
The information below is provided in compliance with state insurance statutes requiring
disclosure of all states where an insurer is authorized to transact business, as
well as information regarding the insurer's state of domicile, principal place of
business and the National Association of Insurance Commissioners (NAIC) code number.
All of the following U.S. insurance companies within Zurich maintain their principal
place of business at 1400 American Lane, Schaumburg, IL 60196.
American Guarantee and Liability Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 26247
State of Incorporation: New York
Licensed in: All states including DC
American Zurich Insurance Company
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 40142
State of Incorporation: Illinois
Licensed in: All states including DC
Assurance Company of America
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19305
State of Incorporation: New York
Licensed in: All states including DC
Colonial American Casualty and Surety Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 34347
State of Incorporation: Maryland
Licensed in: All states including DC, excluding NH
Empire Fire & Marine Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
NAIC Number: 21326
State of Incorporation: Nebraska
Licensed in: All states including DC, excluding OK
Empire Indemnity Insurance Company
630 NE 63rd Street
Oklahoma City, OK 73105
NAIC Number: 21334
State of Incorporation: Oklahoma
Licensed in: OK
The Fidelity and Deposit Company of Maryland
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 39306
State of Incorporation: Maryland
Licensed in: All states including DC, PR, Guam, U.S. Virgin Islands, CNMI
Maryland Casualty Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 19356
State of Incorporation: Maryland
Licensed in: All states including DC, PR, U.S. Virgin Islands
Northern Insurance Company of New York
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19372
State of Incorporation: New York
Licensed in: All states including DC
Steadfast Insurance Company
32 Loockerman Square, Suite 202
Dover, Delaware 19904
NAIC Number: 26387
State of Incorporation: Delaware
Licensed in: DE
Universal Underwriters Insurance Company
7045 College Boulevard
Overland Park, KS 66211
NAIC Number: 41181
State of Incorporation: Kansas
Licensed in: All states including DC
Universal Underwriters of Texas Insurance Company
12222 Merit Drive, Suite 700
Dallas, TX 75251
NAIC Number: 40843
State of Incorporation: Texas
Licensed in: All states including DC, excluding AL, CA, FL, GA, LA, MS, NC, OH,
WY
Zurich American Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 16535
State of Incorporation: New York
Licensed in: All states including DC, PR, U.S. Virgin Islands and Guam, CNMI
Zurich American Insurance Company of Illinois
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 27855
State of Incorporation: Illinois
Licensed in: All states including DC, excluding DE
8. Termination
Zurich may terminate the right of any user to access the Web Site at any time, with
or without cause, in Zurich's absolute discretion and without notice. Any statement
in the Legal Terms or elsewhere on the Web Site of specific grounds for termination
of a user's right to access the Web Site shall in no manner limit Zurich's absolute
right to terminate any user's access to the Web Site.
9. Separate Agreements
You may have other agreements with Zurich. Those agreements are separate and in
addition to these Legal Terms. These Legal Terms do not modify, revise or amend
the terms of any other agreements you may have with Zurich, or with any other company
within the Zurich Financial Services Group.
10. Privacy
Terms of use
LAST CHANGED: January 14, 2014
A. TERMS APPLICABLE TO ALL USERS
1. Introduction
YOUR USE OF THIS WEB SITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING
TO THESE TERMS OF USE.
For users who are not registered with this Web Site, your use of the Web Site will
be deemed to be acceptance of the Terms of Use, Section A.
For users who are registered with the Web Site, your use of the Web Site shall be
subject to certain designated terms (found at Section B below) in addition to those
terms applicable to all users.
IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY
TERMINATE YOUR USE OF THIS WEB SITE.
You may print a copy of these Terms of Use for your records at any time by using
the "print" function on your internet browser.
These Terms of Use ("Legal Terms") describe the terms and conditions applicable
to your access and use of this web site, which is owned, operated and controlled
by Zurich American Insurance Company ("Zurich", "we", "us",
or "our"). Zurich does business as Zurich in North America.
Zurich together with its U.S. affliates (identified below in Section 8) may, at
any time, for any reason and without notice, make changes to (i) this Web Site,
including its look, feel, format, and content, as well as (ii) the products and/or
services as described in this Web Site. Any modifications will take effect when
posted to the Web Site. Therefore, each time you access the Web Site, you need to
review the Legal Terms upon which access and use of this Web Site is conditioned.
By your continuing use of the Web Site after changes are posted, you will be deemed
to have accepted such changes.
This web site ("Web Site") is directed to those individuals and entities
located in the United States. It is not directed to any person or entity in any
jurisdiction where (by reason of nationality, residence, citizenship or otherwise)
the publication or availability of the Web Site and its content, including its products
and services, are unavailable or otherwise contrary to local laws or regulations.
If this applies to you, you are not authorized to access or use any of the information
on this Web Site. Zurich makes no representation that the information, opinions,
advice or other content on the Web Site (collectively, "Content") is appropriate
or that its products and services are available outside of the United States. Those
who choose to access this Web Site from other locations do so at their own risk
and are responsible for compliance with applicable local laws.
Not all of the products and services described on this Web Site are available in
all geographic areas of the United States. You may not be eligible for all of the
insurance products and services described in this Web Site. Zurich reserves the
right to determine all eligibility for such products and services in its sole discretion.
The Web Site may provide a general description of certain types of insurance products,
coverage and services available through Zurich. These descriptions are not a part
of an insurance contract or policy and do not amend, revise or alter the terms of
any policy issued through or services provided by Zurich.
2. Scope of Use and User E-Mail
You are only authorized to view, use, copy for your records and download small portions
of the Content (including without limitation text, graphics, software, audio and
video files and photos) of this Web Site for your informational, non-commercial
use, provided that you leave all the copyright notices, including copyright management
information, or other proprietary notices intact. You may not store, modify, reproduce,
transmit, reverse engineer or distribute a significant portion of the Content on
this Web Site, or the design or layout of the Web Site or individual sections of
it, in any form or media. The systematic retrieval of data from the Web Site is
also prohibited.
E-mail submissions over the Internet may not be secure and are subject to the risk
of interception by third parties. Please consider this fact before e-mailing any
information. Also, please consult our Privacy Notice in these Legal Terms. You agree
not to submit or transmit any e-mails or materials through the Web Site that (i)
are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan
horse or any other harmful component, (iii) incorporate copyrighted or other proprietary
material of any third party without that party's permission or (iv) otherwise violate
any applicable laws. Zurich shall not be subject to any obligations of confidentiality
regarding any information or materials that you submit online except as specified
in these Legal Terms, or as set forth in any additional terms and conditions relating
to specific products or services, or as otherwise specifically agreed or required
by law.
The commercial use, reproduction, transmission or distribution of any information,
software or other material available through the Web Site without the prior written
consent of Zurich is strictly prohibited.
3. Copyrights and Trademarks; Digital Millennium Copyright Act Take-Down Procedures
The Web Site is protected by copyright as a collective work and/or compilation,
pursuant to U.S. copyright laws, international conventions and other laws. Unless
otherwise indicated, the Content, including, but not limited to, graphic images,
buttons, layout, trademarks, service marks, logos, text, and other materials contained
in this Web Site are the exclusive property of Zurich or its third party licensors;
except as otherwise set forth in the following paragraphs of this Section 3. Except
as expressly provided under Section 2 "Scope of Use and User E-mail" above,
you may not use, reproduce, modify, transmit, distribute, or publicly display or
operate this Web Site without the prior written permission of Zurich. You may not
use a part of this Web Site on any other web site, without Zurich's prior written
consent.
For some of our users who are registered with Zurichna.com, we provide “bulletin
board-type” services, where users are able to post messages or other materials that
will be accessible only to other registered users of their choice. Because we provide
these services, Zurich takes special precautions to respect the intellectual property
of others and we ask that our users do the same. If you believe that the Web Site
displays copyrighted material that infringes on your legal rights, and you want
us to take down or disable the infringing materials, please provide Zurich's copyright
agent with the information listed below, which is intended to substantially conform
to the requirements set forth in the Digital Millennium Copyright Act, 17 U.S.C.
Section 512 (c)(3)(A).
Our Designated Agent for Notice of claims of copyright infringement on the Web Site
is accessible through Email at: dnstech@zurichna.com.
The following information must be submitted so that we may properly address any
notice of complaint:
Identification of the copyrighted work claimed to be infringed.
Identification of the material claimed to be infringing together with "information
reasonably sufficient to permit the service provider to locate the material."
Specifically, a complete URL or URLs in the case of multiple works, must be provided.
Your address, telephone number, and email address.
A statement that the complaining party believes, in good faith, that the copyrighted
material identified is being used in a manner that is not authorized by "the
copyright owner, its agent, or the law."
A statement that the information in the notification is accurate, and under penalty
of perjury, that the complaining party is authorized to act on behalf of the owner
of an exclusive right that is allegedly infringed; plus a physical or electronic
signature of the complaining party.
Any notification that fails to comply with the provisions above may not, in our
sole discretion, be considered sufficient notice and may not be deemed to confer
upon Zurich actual knowledge of facts or circumstances from which infringing material
or acts are evident.
4. Links
Zurich offers links to other web sites operated by other entities as a convenience
to you in the belief that making hyperlinks available to publicly accessible web
pages and newsgroups is legally permissible and consistent with the common, customary
expectations of those who make use of the Internet. Zurich makes no representation
regarding the content or accuracy of any web site that you may access through this
Web Site. Zurich does not monitor and is not responsible for the content found on
other web sites that are linked from this Web Site. Inclusion of these links on
Zurich's Web Site does not imply endorsement, recommendation or sponsorship for
any linked web site or the services, products or advice described on the site. Accordingly,
Zurich assumes no responsibility or liability for the content of any linked sites.
Before entering any linked site, you should review and understand that site's privacy
policy.
You may not link to this Web Site without Zurich's written permission. If you are
interested in linking to this Web Site, please contact
dnstech@zurichna.com.
5. No Warranties
THE WEB SITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS
AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR
IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY,
AND NON-INFRINGEMENT, ALL OF WHICH ZURICH EXPRESSLY DISCLAIMS. ZURICH DOES NOT ENDORSE
AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY
OF THE CONTENT, AND ZURICH WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE
OR DELAY IN UPDATING THE WEB SITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE
CONTENT OF THE WEB SITE. ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE
OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY
RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEB SITE AND USING THE CONTENT, AND
FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS,
DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS.
THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND
SERVICES OFFERED BY ZURICH. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES,
SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL
RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
6. Governing Law, Location and Miscellaneous
These Legal Terms shall be governed in all respects by the laws of the State of
Illinois USA, without reference to its choice of law rules. If an applicable law
is in conflict with any part of the Legal Terms, the Legal Terms will be deemed
modified to conform to the law. The other provisions will not be affected by any
such modification.
The Web Site is operated by Zurich American Insurance Company on behalf of the member
companies of Zurich North America (identified below in Section 7), from its offices
in Schaumburg, Illinois USA.
7. The subsidiaries of Zurich American Insurance Company
The information below is provided in compliance with state insurance statutes requiring
disclosure of all states where an insurer is authorized to transact business, as
well as information regarding the insurer's state of domicile, principal place of
business and the National Association of Insurance Commissioners (NAIC) code number.
All of the following U.S. insurance companies within Zurich maintain their principal
place of business at 1400 American Lane, Schaumburg, IL 60196.
American Guarantee and Liability Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 26247
State of Incorporation: New York
Licensed in: All states including DC
American Zurich Insurance Company
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 40142
State of Incorporation: Illinois
Licensed in: All states including DC
Assurance Company of America
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19305
State of Incorporation: New York
Licensed in: All states including DC
Colonial American Casualty and Surety Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 34347
State of Incorporation: Maryland
Licensed in: All states including DC, excluding NH
Empire Fire & Marine Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
NAIC Number: 21326
State of Incorporation: Nebraska
Licensed in: All states including DC, excluding OK
Empire Indemnity Insurance Company
630 NE 63rd Street
Oklahoma City, OK 73105
NAIC Number: 21334
State of Incorporation: Oklahoma
Licensed in: OK
The Fidelity and Deposit Company of Maryland
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 39306
State of Incorporation: Maryland
Licensed in: All states including DC, PR, Guam, U.S. Virgin Islands, CNMI
Maryland Casualty Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 19356
State of Incorporation: Maryland
Licensed in: All states including DC, PR, U.S. Virgin Islands
Northern Insurance Company of New York
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19372
State of Incorporation: New York
Licensed in: All states including DC
Steadfast Insurance Company
32 Loockerman Square, Suite 202
Dover, Delaware 19904
NAIC Number: 26387
State of Incorporation: Delaware
Licensed in: DE
Universal Underwriters Insurance Company
7045 College Boulevard
Overland Park, KS 66211
NAIC Number: 41181
State of Incorporation: Illinois
Licensed in: All states including DC
Universal Underwriters of Texas Insurance Company
12222 Merit Drive, Suite 700
Dallas, TX 75251
NAIC Number: 40843
State of Incorporation: Illinois
Licensed in: All states including DC, excluding AL, CA, FL, GA, LA, MS, NC, OH,
WY
Zurich American Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 16535
State of Incorporation: New York
Licensed in: All states including DC, PR, U.S. Virgin Islands and Guam, CNMI
Zurich American Insurance Company of Illinois
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 27855
State of Incorporation: Illinois
Licensed in: All states including DC, excluding DE
8. The U.S. affiliates of Zurich American Insurance Company
The information below is provided in compliance with state insurance statutes requiring
disclosure of all states where an insurer is authorized to transact business, as
well as information regarding the insurer's state of domicile, principal place of
business and the National Association of Insurance Commissioners (NAIC) code number.
Zurich American Life Insurance Company
7045 College Boulevard
Overland Park, KS 66211-1523
NAIC Number: 90557
State of Incorporation: Illinois
Licensed in: All states including DC, excluding NY
Zurich American Life Insurance Company’s registered home address is 1400 American
Lane, Schaumburg, IL 60196.
Zurich American Life Insurance Company of New York
One Liberty Plaza, 165 Broadway, 21st Floor
New York, New York 10006
NAIC Number: 14178
State of Incorporation: New York
Licensed in: New York
Zurich American Life Insurance Company of New York’s registered home address and
principal place of business is One Liberty Plaza, 165 Broadway, New York, New York
10006, and its administrative office is at 7045 College Boulevard, Overland Park,
KS 66211-1523.
9. Termination
Zurich may terminate the right of any user to access the Web Site at any time, with
or without cause, in Zurich's absolute discretion and without notice. Any statement
in the Legal Terms or elsewhere on the Web Site of specific grounds for termination
of a user's right to access the Web Site shall in no manner limit Zurich's absolute
right to terminate any user's access to the Web Site.
10. Separate Agreements
You may have other agreements with Zurich. Those agreements are separate and in
addition to these Legal Terms. These Legal Terms do not modify, revise or amend
the terms of any other agreements you may have with Zurich, or with any other company
within the Zurich Financial Services Group.
11. Privacy
Privacy Notice
Last updated: December 20, 2013
Zurich American Insurance Company, its subsidiaries and U.S. affiliates (“Zurich
NA”, “we” or “us”) respect your concerns about privacy.
This Privacy Notice applies to personal information we collect on ZurichNA.com,
the related careers page at http://careers.peopleclick.com/careerscp/client_zurich/external/search.do,
the other websites that link to this Privacy Notice (together, the “Site”), or through
other means in the course of our business relationship with you.
This Privacy Notice describes the types of personal information we collect, how
we may use that information and with whom we may share it. The Privacy Notice also
describes the measures we take to protect the security of the personal information.
We also tell you how you can reach us to ask us to answer any questions you may
have about our privacy practices. Depending on your relationship with us, you may
receive other privacy notices from us providing additional detail about our privacy
practices.
By using the Site, or any of our websites or webpages, you signify your consent
to this Privacy Notice.
Information You Provide Directly to Us
Depending on your relationship with us, personal information collected may include:
- Contact information, such as your name, postal address, email address, telephone
number, and fax number
- Social Security number, Federal Employer Identification number, and driver’s license
number
- Other numbers and codes, such as an account number, policy number, producer code,
client ID, DUNS Number and proprietary information such as a vehicle identification
number
- Date of birth, gender, marital status, names of dependents
- Employment information, such as occupation, hire date, employee ID number, employment
status, position, hours worked and income information, such as weekly wages
- Claims information, including information about injuries and treatment, names of
witnesses and whether a violation was issued
- Risk information, such as whether an applicant has been convicted of certain crimes
- Questions, communications and other content you submit
- Information provided in conjunction with fraud reports, including the names of the
persons involved
- ZurichNA.com login or access credentials, including username, password, access code
and your answer to a security question, such as your mother’s maiden name
- Electronic signatures
- Job application information, including employment information and background checks
- Payment card information
Information We Collect by Automated Means
When you visit our Site, we may collect certain information by automated means,
using technologies such as cookies, Web server logs and Web beacons.
Cookies are files that websites send to your computer or other Internet-connected
device to uniquely identify your browser or to store information or settings in
your browser. Your browser may tell you how to be notified when you receive certain
types of cookies and how to restrict or disable certain cookies. Please note, however,
that without cookies you may not be able to use all of the features of our Site.
In conjunction with the gathering of information through cookies, our Web servers
may log information such as your operating system type, browser type, domain, and
other system settings, as well as the language your system uses and the country
and time zone where your device is located. The Web server logs also may record
information such as the address of the Web page that referred you to our Site and
the IP address of the device you use to connect to the Internet. They may also log
information about your interaction with this Site, such as which pages you visit.
To control which Web servers collect information by automated means, we may place
tags on our Web pages called “Web beacons or "pixel tags", which are small files
that link Web pages to particular Web servers and their cookies.
We may use third-party web analytics services on our Site, such as those of Google
Analytics and Webtrends. These service providers use cookies and web beacons to
help us analyze how users use the Site. The information collected by the cookies
and Web beacons (including your IP address) will be disclosed to these service providers,
who use the information to evaluate your use of the Site. To learn about opting
out of Google Analytics, you may visit http://tools.google.com/dlpage/gaoptout.
We do not currently support Do Not Track signals but may in the future.
How We Use the Information We Collect
We may use the information we obtain about you for various purposes, including to:
- Provide, administer and communicate with you about products, services, events and
promotions (including by sending you newsletters and other marketing communications)
- Provide and administer business tools
- Process, evaluate and respond to requests, inquiries, claims and applications
- Customize your experience with our Site, such as by providing personalized information
- Verify your identity
- Administer surveys and questionnaires
- Operate, evaluate and improve our business (including developing new products and
services; managing our communications; performing market research and data analytics;
determining and managing the effectiveness of our advertising and marketing; analyzing
our products, services and websites; administering our websites; and performing
accounting, auditing, billing, reconciliation and collection activities)
- Protect against and prevent fraud, unauthorized transactions, claims and other liabilities,
and manage risk exposure and quality
- Evaluate your interest in employment and contact you regarding possible employment
- Conduct a background check as part of the hiring process
- Comply with and enforce applicable legal requirements, industry standards and our
policies and terms, such as our Terms of Use
- Process a payment.
We also may use the information in other ways for which we provide specific
notice at the time of collection.
Sharing of Information
We may share personal information we collect with our service providers who perform
services on our behalf. These service providers are not authorized by us to use
or disclose the information except as necessary to perform services on our behalf
or comply with legal requirements. We also may share your information among our
affiliates to send you information about products and services. We may share personal
information we collect on the Site at your request. For example, if you use our
Site to send information to a third party, we may identify you as the sender.
We also may disclose information about you (i) if we are required to do so by law
or legal process, (ii) to law enforcement authorities, or (iii) when we believe
disclosure is necessary or appropriate to prevent physical harm or financial loss
or in connection with an investigation of suspected or actual illegal activity.
We reserve the right to transfer personal information we have about you in the event
we sell or transfer all or a portion of our business or assets. Should such a sale
or transfer occur, we will use reasonable efforts to direct the transferee to use
personal information you have provided to us in a manner that is consistent with
our Privacy Notice.
Your Choices
We offer you certain choices about what personal information we collect from you,
how we use that information, and how we communicate with you. Some areas of the
Site provide features that allow you to access and update personal information you
have provided there. Some areas contain features that permit you to register your
communications preferences, such as by indicating your preference to receive information
about particular types of products. You may visit the area of the Site where you
provided personal information to learn if it provides these features. If it does
not, you can contact us as described in the How to Contact Us section to update
your preferences, ask us to remove your information from our mailing lists or submit
a request.
How We Protect Personal Information
We maintain reasonable administrative, technical and physical safeguards designed
to protect the personal information you provide against accidental, unlawful or
unauthorized destruction, loss, alteration, access, disclosure or use.
Protection of Social Security Numbers
We strive to protect the confidentiality of Social Security numbers we collect by
employing reasonable safeguards seeking to (i) prohibit unlawful disclosure of Social
Security numbers and (ii) limit access to Social Security numbers.
Links to Other Web Sites
The Site may provide links to other sites for your convenience and information.
These websites may be operated by companies other than Zurich NA. Linked websites
may have their own privacy policies, which we strongly suggest you review if you
visit any linked websites. We are not responsible for the content of any websites
that are not operated by us, any use of those websites, or the privacy practices
of those websites.
Blogs and Other Interactive Services
We may offer blogs, online forums or other interactive services on the Site that
enable visitors to post and share information and materials. Please note that any
information you post or share through these services will become public information,
and may be available to visitors who access the Site and to the general public.
Updates to Our Privacy Notice
This Privacy Notice may be updated periodically and without prior notice to you
to reflect changes in our personal information practices or relevant laws. We will
post a prominent notice on the site to notify you of any significant changes to
our Privacy Notice and indicate at the top of the notice when it was updated.
How to Contact Us
If you have any questions or comments about this Privacy Notice, or if you would
like us to update information we have about you or your preferences, please contact
us as indicated below. If you are contacting us by email to request that we change
or delete personal information that you submitted through our Site, please be sure
to tell us which page or form on the Site you used to submit your information:
Zurich American Insurance Company
Attention: Privacy Office 1400 American Lane,
T1-16 Schaumburg, IL 60196
Privacy.office@zurichna.com
Fax: 1-866-276-6913
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS
12. U.S. Resident
You represent that you are a United States resident.
13. No Professional Advice
The information available on the Web Site is intended to be a general information
resource regarding the matters covered, and is not tailored to your specific circumstance.
It is not offered as legal, accounting or other professional advice. This Web Site
is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS
AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST,
OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.
14. Registration and Security
You are responsible for maintaining the confidentiality of your user name and password.
You may not share your password with or transfer your password to any third party.
You are responsible for all uses of your user name and password, and any and all
related charges, whether or not authorized by you. You agree to immediately notify
Zurich of any unauthorized use of your password or user name or any other breach
of security. Until Zurich is properly notified of a breach of security by either
e-mail notice at dnstech@zurichna.com
or written notice by U.S. mail addressed to Zurich American Insurance Company, 1400
American Lane, Schaumburg, Illinois, 60196, Attn: Corporate Law Department, you
will remain responsible for any unauthorized use of the Web Site occurring under
your user name and password. You will not violate, or assist in violating, the security
of the Web Site, whether intentionally, negligently or otherwise. You will not attempt
to utilize another user's account, user name, password, or persona without authorization
from that user.
For purposes of identification, billing and marketing, you agree to provide Zurich
with accurate, complete, and updated information required by registration to our
service ("Registration Data"), including your legal name, address, telephone
number(s), e-mail and, where required, applicable payment data (e.g., credit card
number and expiration date). Zurich reserves the right to verify the accuracy of
all Registration Data. You agree to promptly notify us of any change in your Registration
Data. Failure to comply with this provision may result in immediate suspension or
termination of your right to use the Web Site.
15. Arbitration
Except as regarding any action seeking equitable relief, including without limitation
for the purpose of protecting any Zurich confidential information and/or intellectual
property rights, any controversy or claim arising out of or relating to these Legal
Terms or this Web Site shall be settled by binding arbitration in accordance with
the commercial arbitration rules, in effect at the time the proceedings begin, of
the American Arbitration Association. Any such controversy or claim shall be arbitrated
on an individual basis, and shall not be consolidated in any arbitration with any
claim or controversy of any other party. The arbitration shall be held in Chicago,
Illinois USA.
All information relating to or disclosed by any party in connection with the arbitration
of any disputes hereunder shall be treated by the parties, their representatives,
and the arbitrator as proprietary business information. Such information shall not
be disclosed by any party or their respective representatives without the prior
written authorization of the party furnishing such information. Such information
shall not be disclosed by the arbitrator without the prior written authorization
of all parties. Each party shall bear the burden of its own counsel fees incurred
in connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be entered in any court having
jurisdiction over the parties or their assets or application of enforcement, as
the case may be. Any award by the arbitrator shall be the sole and exclusive remedy
of the parties. The parties hereby waive all rights to judicial review of the arbitrator's
decision and any award contained therein.
16. Limitation of Liability
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY,
WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR
ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING
OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT
(EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE
IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION
TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION,
DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS,
COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION
OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS
TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS
OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS
TO THE WEB SITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN
CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME JURISDICTIONS
DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.
Last update of this page: January 14, 2014
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS
11. U.S. Resident
You represent that you are a United States resident.
12. No Professional Advice
The information available on the Web Site is intended to be a general information
resource regarding the matters covered, and is not tailored to your specific circumstance.
It is not offered as legal, accounting or other professional advice. This Web Site
is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS
AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST,
OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.
13. Registration and Security
You are responsible for maintaining the confidentiality of your user name and password.
You may not share your password with or transfer your password to any third party.
You are responsible for all uses of your user name and password, and any and all
related charges, whether or not authorized by you. You agree to immediately notify
Zurich of any unauthorized use of your password or user name or any other breach
of security. Until Zurich is properly notified of a breach of security by either
e-mail notice at dnstech@zurichna.com
or written notice by U.S. mail addressed to Zurich American Insurance Company, 1400
American Lane, Schaumburg, Illinois, 60196, Attn: Corporate Law Department, you
will remain responsible for any unauthorized use of the Web Site occurring under
your user name and password. You will not violate, or assist in violating, the security
of the Web Site, whether intentionally, negligently or otherwise. You will not attempt
to utilize another user's account, user name, password, or persona without authorization
from that user.
For purposes of identification, billing and marketing, you agree to provide Zurich
with accurate, complete, and updated information required by registration to our
service ("Registration Data"), including your legal name, address, telephone
number(s), e-mail and, where required, applicable payment data (e.g., credit card
number and expiration date). Zurich reserves the right to verify the accuracy of
all Registration Data. You agree to promptly notify us of any change in your Registration
Data. Failure to comply with this provision may result in immediate suspension or
termination of your right to use the Web Site.
14. Arbitration
Except as regarding any action seeking equitable relief, including without limitation
for the purpose of protecting any Zurich confidential information and/or intellectual
property rights, any controversy or claim arising out of or relating to these Legal
Terms or this Web Site shall be settled by binding arbitration in accordance with
the commercial arbitration rules, in effect at the time the proceedings begin, of
the American Arbitration Association. Any such controversy or claim shall be arbitrated
on an individual basis, and shall not be consolidated in any arbitration with any
claim or controversy of any other party. The arbitration shall be held in Chicago,
Illinois USA.
All information relating to or disclosed by any party in connection with the arbitration
of any disputes hereunder shall be treated by the parties, their representatives,
and the arbitrator as proprietary business information. Such information shall not
be disclosed by any party or their respective representatives without the prior
written authorization of the party furnishing such information. Such information
shall not be disclosed by the arbitrator without the prior written authorization
of all parties. Each party shall bear the burden of its own counsel fees incurred
in connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be entered in any court having
jurisdiction over the parties or their assets or application of enforcement, as
the case may be. Any award by the arbitrator shall be the sole and exclusive remedy
of the parties. The parties hereby waive all rights to judicial review of the arbitrator's
decision and any award contained therein.
15. Limitation of Liability
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY,
WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR
ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING
OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT
(EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE
IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION
TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION,
DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS,
COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION
OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS
TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS
OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS
TO THE WEB SITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN
CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME JURISDICTIONS
DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.
Last update of this page: January 14, 2014