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Terms of Use


Legal Restrictions
Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions and eligibility requirements apply.

Restrictions on Use of Materials
This site is owned and operated by Point Comfort Underwriters, Inc. ©, (hereafter “PCU”, “we” and/or “us”). No material from this site may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work or otherwise exploited in any way without the prior written consent of PCU. The use on this site by any person of any data mining, data scraping, robot or similar process, device, software or similar or related technology is strictly prohibited. The modification or use of the materials from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright and other proprietary rights owned by parties including PCU and its affiliates.

The materials in this site are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, PCU disclaims all warranties, express or implied, including, but not limited to, any implied warranty of merchantability or fitness for a particular purpose. PCU does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. PCU does not warrant or make any representations regarding the use of the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not PCU) assume the entire cost of all necessary servicing, repair or correction relating in any way to your use of this site. Applicable law may not allow the exclusion of implied warranties so the above exclusion may not apply to you.

Google Translation
Translations of pages on the PCU website are performed by Google™ Translate, a third-party service over which PCU has no control. Google™ Translate is a free online language translation service that can translate text and web pages into different languages. Computerized translations are only an approximation of the website’s original content. The translation should not be considered exact and in some cases may include incorrect, incomplete or offensive language. PCU does not warrant the accuracy, reliability or timeliness of any information translated by Google™ Translate. In addition, some applications, files or items cannot be translated, including but not limited to graphs, photos, drop-down menus or portable document formats (pdfs). You should be aware that when a translation is requested, you will leave the PCU website. PCU does not endorse the use of Google™ Translate and there are other translation services may also be used to view our site. Any person or entities that obtain or rely upon information obtained from the Google™ Translate service does so at his or her own risk. When a translation is complete, you assume the risk of any inaccuracies, errors or other problems encountered. PCU is not responsible for any liability, damage or issues that may possibly result from using Google™ Translate or any other translation service.

Limitation of Liability
Under no circumstances, including but not limited to negligence, shall PCU be liable for any indirect, special, incidental, consequential or other damage, including, but not limited to, loss of data or lost profits, which result from the use of, or the inability to use, the materials in this site, even if PCU or a PCU authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the above, in no event shall PCU’s total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.

This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all PCU site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from PCU if, in PCU’s sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other PCU site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both parties.

Service Marks
The marks, registered marks, service marks, trademarks and the PCU logo and designs in these Web pages are the property of PCU and/or its subsidiaries.