Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website operated by Union Specialty Inc, a Delaware corporation doing business in California as Union Specialty Insurance Solutions (“Union Specialty,” “we,” “us,” or “our”), at unionspecialty.com and any pages, content, and features offered through it (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, please do not use the Site.

These Terms govern only your use of the public Site. They do not govern your contractual relationship with us as a retail agent or producer, which is set out in a separate National Producer Agreement and any related schedules, and which controls in the event of any conflict with these Terms.

1. Eligibility

To use the Site you must be at least 18 years old and capable of forming a binding contract. The Site is intended for use by licensed insurance professionals and business users. By using the Site you represent and warrant that you meet these requirements. The Site is intended for use by persons located in the United States.

2. License to Use the Site

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Site for your internal business purposes. We reserve all rights not expressly granted.

3. Acceptable Use

You agree that you will not:

• Use the Site in any way that violates applicable law or regulation, including state and federal insurance laws.
• Use the Site to transmit any virus, worm, malicious code, or other harmful material.
• Attempt to gain unauthorized access to the Site, our systems, or any account, server, or network connected to the Site.
• Probe, scan, or test the vulnerability of the Site or any associated system, or breach or circumvent any security or authentication measure.
• Use any automated system—including scrapers, bots, spiders, or similar tools—to access, copy, or extract data from the Site, except for general-purpose search engine indexing of public pages.
• Frame, mirror, scrape, or otherwise reproduce material from the Site without our written permission.
• Reverse engineer, decompile, or disassemble any portion of the Site.
• Use the Site to upload, post, or transmit any content that is unlawful, defamatory, harassing, fraudulent, or otherwise objectionable, or that infringes any third party’s rights.
• Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of it.

4. Intellectual Property

The Site and all content on it, including text, graphics, logos, images, audio, video, software, designs, and the selection, arrangement, and “look and feel” of the Site, are owned by Union Specialty or our licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. “Union Specialty,” “Union Specialty Insurance Solutions,” the Union Specialty logo, and other Union Specialty marks are trademarks of Union Specialty Inc. You may not use any of our trademarks without our prior written consent.

If you submit any feedback, comments, suggestions, or ideas about the Site or our services, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable license to use that feedback for any purpose without obligation to you.

5. No Advice; No Offer of Insurance

Information on the Site is provided for general informational purposes only. It is not an offer to bind insurance, a binder, a quote, or a contract of insurance, and it is not legal, financial, tax, regulatory, or risk-management advice. Insurance availability, pricing, terms, and conditions depend on a complete underwriting submission and the policy ultimately issued by the relevant insurer or program administrator. You should consult appropriately licensed professionals before relying on any information on the Site.

Nothing on the Site creates a broker-of-record, agency, partnership, fiduciary, joint venture, or other relationship between you and Union Specialty. Any such relationship must be established by a separate written agreement signed by an authorized representative of Union Specialty.

6. Third-Party Links and Services

The Site may contain links to, or be integrated with, third-party websites and services, including form intake, electronic signature, payment, scheduling, and analytics services. We do not control and are not responsible for the content, products, services, terms, or privacy practices of any third party. Your use of any third-party service is governed by that third party’s terms and privacy notice. Inclusion of a link does not imply endorsement.

7. Disclaimers

THE SITE AND ALL CONTENT, INFORMATION, AND MATERIALS ON THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNION SPECIALTY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. UNION SPECIALTY DOES NOT WARRANT THAT THE SITE OR ITS CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, UNINTERRUPTED, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL UNION SPECIALTY, ITS AFFILIATES, OR ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF UNION SPECIALTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, UNION SPECIALTY’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

9. Indemnification

You agree to defend, indemnify, and hold harmless Union Specialty, its affiliates, and its and their officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site, including any content you submit through the Site.

10. Suspension and Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Sections that by their nature should survive termination will survive.

11. Changes to the Site and Terms

We may modify, suspend, or discontinue the Site or any part of it at any time without liability. We may also revise these Terms at any time by posting an updated version on the Site. Your continued use of the Site after the updated Terms take effect constitutes your acceptance of the updated Terms.

12. Governing Law; Venue

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. The parties consent to the exclusive jurisdiction of the state and federal courts located in New Castle County, Delaware for the resolution of any such dispute, except that either party may seek injunctive or equitable relief in any court of competent jurisdiction.

13. Miscellaneous

These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Union Specialty with respect to the Site. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in our discretion, including in connection with a merger, acquisition, or sale of assets.

14. Contact

Questions about these Terms can be sent to contact@unionspecialty.com or Union Specialty Inc, Attn: Legal, 460 Prospect Avenue, Brooklyn, NY 11215.