Terms of Use

This page sets forth the terms and conditions under which SeaBright Insurance, Inc. ("SeaBright," or "we") provides the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.

We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Submissions

All information that you submit to SeaBright Insurance via this web site shall be deemed and remain the property of SeaBright Insurance. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated by us with respect to personally identifiable consumer information in any consumer privacy statement(s) contained within the web site, agreed to by the underwriting company having the direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to SeaBright Insurance that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

Warranty & Liability - Disclaimer

SeaBright Insurance specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will SeaBright Insurance be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site.

SeaBright Insurance expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.

Copyright Policy

All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by SeaBright Insurance or affiliated entities or their licensors, protected by copyright with all rights reserved under United States and foreign laws. Appointed agents and brokers in good standing with SeaBright Insurance may use and reproduce copies of this web site and its Content to conduct the authorized business of SeaBright Insurance. If you are not an appointed agent or broker in good standing, you may refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.sbic.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with SeaBright Insurance.

Trademarks

SeaBright Insurance and the SeaBright Insurance logo are registered trademarks of SeaBright Insurance, Inc., in the US and other countries. Other trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by SeaBright Insurance or its subsidiaries or affiliated entities, or their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of SeaBright Insurance or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, SeaBright Insurance may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between SeaBright Insurance and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner's request.

Products and Services - Disclaimer

Please note that none of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products SeaBright Insurance generally offers. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy or your agent or contact us for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the underwriting company providing such products or services.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Unless otherwise specified, products and services are available in the United States only. Information on the web site may include references to products or services not offered in your state, territory or country or not available for purchase over the Internet in your state, territory or country. Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.