These Terms and Conditions were last updated on 04.25.23

These Terms and Conditions apply to your use of this Site and our App.  Your use of this Site and the App is expressly conditioned on your acceptance of these Terms and Conditions. If you do not agree with any part of the Terms and Conditions, you must not use this Site or the App.

Mission Underwriting Managers, LLC is a licensed insurance agency, NPN 19970643, that sells various property and casualty insurance. Mission Underwriting Managers, LLC does business in California as Mission Specialty Risk Insurance Solutions, in Utah as Mission Specialty Risk Services, and in Nevada as Mission Specialty Risk Services, LLC. For a full list of licenses, click here (“Mission Underwriters,” “we,” “us,” or “our”).  Mission Underwriters reserves the right to modify these Terms and Conditions at any time. Continued use of this Site or the App by you will constitute your acceptance of any revisions to the Terms and Conditions. Please check this page regularly.

“Site” means any broker portal or website maintained by Mission Underwriting Managers, LLC or any of its registered series. The “App” means the Mission Underwriting Managers, LLC or any of its registered series Mobile Application, or any other digital channel in which Mission Underwriting Managers, LLC or any of its registered series maintains an established presence through a service or application.

Privacy: Please review our Privacy Policy, which also governs your visit to this Site and your use of the App.

Personal Use Only: You will use the Site and the App only for your personal, noncommercial use unless you and Mission Underwriters have agreed otherwise in writing. Use in connection with policies or accounts with Mission Underwriters in the name of your business are considered personal use.

Electronic Mail: You may not send electronic mail to us that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights; or contains harmful code, political campaigning, commercial solicitation, chain letters, or mass mailings; or violates any applicable law, including but not limited to the CAN-SPAM Act.

Access: You may not use this Site or the App in any manner that could damage or overburden any Mission Underwriters equipment or software. You may not obtain, or attempt to obtain, access to any material or information on this Site or the App that is protected by passwords, PIN or required login identification through any means not expressly authorized by Mission Underwriters. You may not use the login information of another person unless they specifically authorized you to do so.

False Information: You may not intentionally provide any false information when you register for this Site, the App, apply for products or services from Mission Underwriters, post comments on this Site, the App or on Mission Underwriters-sponsored web pages, or when completing your profile.

Links: You agree to obtain our permission before creating a hyperlink or similar link or connection to this Site.

Endorsements: You may not use Mission Underwriters’ name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship, or approval by Mission Underwriters without express written permission.

Third-Party Sites: This Site and the App may contain links to other Internet web sites (“Third-party Sites”) that are not maintained by Mission Underwriters. These links are provided solely for your convenience. Mission Underwriters makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party web sites. We recommend that you take the time to read the privacy policies and user agreements of these web sites.

Password Registration:  Access to account information through the Site or App is restricted and requires a user identification code (“User ID”) and a password for access. Unauthorized use of or access is strictly prohibited.

In accessing the Site or App requiring a User ID and password, you agree that:

• Mission Underwriters is entitled to act on instructions received under your User ID and password.
• Mission Underwriters is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Mission Underwriters.
• You will keep your password confidential, and you will notify Mission Underwriters immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
• Mission Underwriters may block access to the Site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification: When you visit the Site or App, we are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Postings: Posting a comment on this Site, the App or on Mission Underwriters-sponsored message boards, discussion forums or other interactive content on third party sites, you agree that Mission Underwriters may publish your comment in whole, or in part. Mission Underwriters does not agree to post all comments received. Mission Underwriters reserves the right to remove or modify any posting that is false, offensive, violates any law or the rights of third parties, violates these Terms and Conditions, or is defamatory or duplicative.

Mission Underwriters reserves the right to reveal your identity and the content of your original and posted submissions in response to legal action by any party, or in response to a request by governmental authority, or in defense of Mission Underwriters.

Mission Underwriters retains ownership of all postings submitted on this Site and the App, except when copyrighted material is posted.

Unsolicited Submissions: Unless otherwise stated, Mission Underwriters does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its services and products. Any such postings to this Site and electronic mail delivered to Mission Underwriters will be considered non-confidential and non-proprietary, and will remain, the exclusive property of Mission Underwriters. Mission Underwriters may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the Mission Underwriters Privacy Policy.

Copyright: This entire Site and App are the copyrighted work of Mission Underwriters. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form.

Permission is hereby granted to use, copy, and distribute these materials as presented in this Site or the App without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Site, the App, or any other intellectual property of Mission Underwriters on any other Site, App, in the source code of any other web site, app, or in any other printed or electronic materials.

Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Site’s content or frame this Site within any other web site without our prior written permission. Systematic retrieval of data or other content from this Site to create or compile, directly or indirectly, a collection, compilation, database, or directory, without prior written permission from Mission Underwriters, is prohibited.

Trademarks: By providing content, we do not allow you to use trademarks referenced in this Site or the App. You may not use any meta tags or any other ‘hidden text’ using Mission Underwriters’ name or trademarks without the express written consent of Mission Underwriters. The trademarks, logos, and service marks (“Marks”) displayed on the Site and App are the property of Mission Underwriters or other parties. Users are prohibited from using any Marks without the written permission of Mission Underwriters or the third party that owns the Marks.

Copyright Infringement Claims: It is our policy to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site or the App may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit Mission Underwriters to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) 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 copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by Mission Underwriters. Written notice must be sent to: Mission Underwriters, 1820 E Sky Harbor Circle South, Suite 150 DPT# 15027, Phoenix, AZ 85034-4875.

Disclaimer of Warranty 

The content and materials in this Site and the App are provided “as is” and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, Mission Underwriters expressly disclaims all warranties, express or implied, with respect to this Site and the App including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Mission Underwriters does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers, or any e-mail sent from Mission Underwriters are free of viruses or other harmful components.

Limitation of Liability 

To the fullest extent permitted by law, Mission Underwriters shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this Site or content found in this Site or the App, or (b) unless resulting from the gross negligence or intentional actions of Mission Underwriters, the unauthorized access to or alteration of your transmissions or data, even if Mission Underwriters has been advised of the possibility of such damages. 

General Fraud Warning: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

The fraud warnings listed below are applicable in the states of AL, AK, AZ, AR, CA, CO, DE, DC, FL, ID, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, and WV. Please review the appropriate fraud warning relevant to the state that you reside in prior to submitting your claim.

Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

Alaska: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law. 

Arizona: For your protection Arizona law requires the following statement to appear on this form: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

Arkansas: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. 

California: For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Colorado: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of  an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

Delaware: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

District of Columbia: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Idaho: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

Indiana: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

Louisiana: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Maine: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits. 

Maryland: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Minnesota: A person who files a claim with intent to defraud, or helps commit a fraud against an insurer, is guilty of a crime.

New Hampshire: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

New Jersey: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

New Mexico: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. 

New York: APPLICABLE TO AUTO CLAIMS – Any person who knowingly and with intent to defraud any insurance company or other person files an application for commercial insurance or a statement of claim for any commercial or personal insurance benefits containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, and any person who, in connection with such application or claim, who knowingly makes or knowingly assists, abets, solicits, or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.

New York: APPLICABLE TO HOME CLAIMS – Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. 

Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

Oregon: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Rhode Island: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Tennessee: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Texas: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Virginia: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Washington: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

West Virginia: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Conflicts: In the event of a conflict between these Terms and Conditions and your Policy the Policy shall control.

Jurisdiction / Enforceability: Use of this site shall be governed by and construed in accordance with the laws of the State of Delaware without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in New Castle County, Delaware.

Should any provision of these Terms and Conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Contact us:  If you have any questions about this Privacy Policy or any of the practices described herein, please contact us by email at info@missionunderwriters.com.