BY USING THIS WEBSITE, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT 
AGREE TO THESE TERMS OF USE, DO NOT USE THIS WEBSITE.


FCCI includes FCCI Insurance Group, Inc.; FCCI Insurance Company; FCCI Group, Inc.; FCCI Mutual Insurance Holding Company; FCCI Commercial Insurance Company; National Trust Insurance Company; Monroe Guaranty Insurance Company; FCCI Advantage Insurance Company; Brierfield Insurance Company; FCCI Services, Inc. and their parent, subsidiary and affiliated companies (collectively “FCCI”). FCCI is headquartered in Sarasota, Florida.

  • Authorization of Use

    This website is owned and operated by FCCI. Unauthorized use of this site and the materials contained herein may 
    violate applicable law. No part of the materials made available on this website may be reproduced in any form or by 
    any means without prior written approval from FCCI. Materials displayed on this site may be used for personal, 
    non-commercial use only, provided all copyright and other proprietary notices contained on the materials are retained.

  • User ID/Password Use

    If you have been assigned a user ID and/or password (“Password”) for access to restricted portions of this website, 
    you are responsible for all activities engaged in under your Password. You are responsible for protecting your Password from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. Use of FCCI’s systems is subject to monitoring by FCCI, and users should have no expectation of privacy while accessing these systems.

  • General Disclaimer

    This website is not intended as a solicitation in any jurisdiction in which FCCI is not authorized to transact business. The information and materials contained on this website do not constitute an offer or solicitation for the sale of any security or insurance product in any jurisdiction. Products described on this website may not be available in all jurisdictions. You may not be eligible for all of the products or services described on this website. FCCI reserves the right to determine all eligibility for such products and services at its sole discretion. The information and materials contained on this website may provide a general description of certain types of insurance products, coverage and services available through FCCI in certain jurisdictions. The information and descriptions contained on this website are provided solely for informational purposes and are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by FCCI. These descriptions are not a part of any insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by FCCI. Please contact your independent agent for details specific to your policy. The material on the FCCI website is provided for informational purposes only and is not legal or professional advice.

  • Warranties Disclaimer and Limitation of Liability

    FCCI makes no representations about the suitability or content of this website for any purpose. FCCI makes no warranty as to the accuracy, completeness, currency or reliability of the content. FCCI does not have the duty to update this website or the content of this website. This website and its content are provided “as is” without warranty of any kind, either express or implied. To the fullest extent permissible under applicable law, FCCI and its affiliates disclaim all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, quiet enjoyment, systems integration or accuracy. No warranty or representation is made that the use of the information or functions contained in this website will be error-free or uninterrupted, that defects will be corrected, or that this website or server are free of viruses or other harmful components.

    FCCI shall have no responsibility or liability for any injury or damages, whether caused by negligence of FCCI, its employees, subcontractors, agents, suppliers, or otherwise, arising in connection with: 1) your access to or use of this website; or 2) any fault, inaccuracy, delay, failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, line or system failure, or any other failure in the website. You are responsible for any consequences of accessing or using this website or its 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. Under no circumstances, including, but not limited to negligence of FCCI, its employees, subcontractors, agents or suppliers, shall FCCI be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind that arise from accessing, the use of, or the inability to use this website or the materials contained in this website, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, whether based on warranty, contract, tort or any other legal theory, and even if FCCI has been advised of the possibility of such damages. Notwithstanding the foregoing, if FCCI should be found liable for any loss or damage which arises out of or is in any way connected with any of the above described functions or uses of this website or its content, FCCI’s liability, where permitted by law, shall not exceed, in the aggregate, the greater of 1) the amount paid by you to access this website or 2) US $100.

  • Indemnification

    You agree to defend, indemnify and hold FCCI harmless against any claims, damages, demands, losses, expenses, or costs (including but not limited to attorneys’ fees and other litigation costs) that arise from or otherwise relate to your use of this website or your violation of these Terms of Use or the rights of another.

  • Links to Other Sites 

    The links to third party websites are provided solely as a convenience to you. Links to third party websites or references to products, services or publications, other than those of FCCI, do not imply FCCI’s endorsement, authorization, sponsorship, affiliation or approval of such websites, products, services, publications or their owners or providers. Third party websites are not under the control of FCCI. As such, FCCI makes no representations or warranties regarding the content, accuracy, timeliness, completeness or security of the materials contained on any of the linked websites. FCCI does not make any representations or warranties, express or implied, with respect to the use of the links provided on its website. You acknowledge and agree that FCCI is not liable for any consequences arising out of your access to or use of such sites. Your access to and use of any third party site linked to or from this website is at your own risk and FCCI assumes no obligation or liability in connection therewith. FCCI may disable a link at any time and will remove any link from this website at the third party site owner’s request.

  • Third Party Trademarks

    All trademarks, service marks, and trade names are the marks of the respective owner(s), and any unauthorized use is strictly prohibited. FCCI does not sponsor nor is it affiliated with any owners of trademarks, service marks or trade names used on this website, including those trademarks constituting a hyperlink, other than those of FCCI. The display of trademarks on this website does not imply a license of any kind has been granted.

  • Copyright Complaints / Digital Millennium Copyright Act

    FCCI respects the intellectual property rights of others.  As such, we will respond to notices of alleged copyright infringement that are made in accordance with the Digital Millennium Copyright Act (“DMCA”) and other applicable laws. If you are a copyright owner and you believe any content or link on FCCI’s website constitutes an infringement of your copyrights, you must provide a written notice to FCCI’s Designated Copyright Agent at the following mail and/or email address:

    By Mail:                                                                        By email:

    Chief Risk & Compliance Officer                                      ComplianceDepartment@fcci-group.com

    FCCI Insurance Group

    6300 University Parkway

    Sarasota, FL 34240-8424

     

    Please be advised that you may be liable for damages if you materially misrepresent that any item on FCCI’s website is infringing your copyrights.  Before serving a notice of infringing material you should contact a lawyer to advise you about your rights and obligations under the DMCA and other laws as the information contained herein does not constitute legal advice.

    Your notice must include the following: (1) the electronic or physical signature of the copyright owner or the person authorized to act on behalf of the copyright owner; (2) a description of the copyrighted work you believe has been infringed; (3) a description of where the claimed infringing material is located on FCCI’s website including the URL and/or any identification numbers, if applicable; (4) your contact information, including your address, telephone number, and email address; (5) your statement that you believe in good faith that the use of the copyright you are disputing is not authorized by the copyright owner, its agent, or the law; and (6) your statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.  We will review all claims of copyright infringement and remove, or block access to, any items as we deem appropriate in accordance with the applicable laws.

  • Changes

    FCCI may, at any time, for any reason and without notice, make changes to this website, its format and content, terms of use, and to any products and services described on this website. By your continuing use of the website after changes are posted, you will be deemed to have accepted such changes.

  • Termination

    FCCI may, at any time, for any reason, in its sole discretion and without notice, terminate access to or operation of this website.

  • Separate Agreements

    These Terms of Use are separate from any agreements you may have with FCCI or any of its affiliates. These Terms of Use do not modify, revise or amend the terms of any agreements you may have with FCCI or any of its affiliates.

  • Governing Law
    Use of this website shall be governed, construed and enforced in accordance with the laws of the state of Florida, without regard to its choice-of-law or conflicts-of-law principles or rules.

     

  • Jurisdiction and Venue
    Any litigation, claim, dispute or action which relates to or arises from the use of this website in any way may be brought only in the United States District Court for the Middle District of Florida, Tampa Division, or, only if there is no federal subject matter jurisdiction, in any state court of Florida sitting in Sarasota County.  Your use of this website indicates your consent and you hereby submit to the exclusive jurisdiction of those courts and waive any objection to such venue as inconvenient or improper.

     

  • Entire Agreement and Severability
    These Terms of Use represent the entire agreement between you and FCCI relating to the use of this website and supersede any other oral or written communications relating thereto.  These Terms of Use may not be amended except in a writing that is posted to this website.  If any part of these Terms of Use conflict with applicable law, these Terms of Use shall be deemed modified to conform to the law, without affecting the remaining portions of the Terms of Use.