Terms and Conditions
Conditions for Website Use
Any applications, policy forms, or other documents on this website are for general information only. Customers and policyholders are hereby advised that insurancecanopy.com does not warrant that forms on this website are insurancecanopy.com’s current forms, represent coverage provided to any insured, or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms.
Use of material from this website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the United States and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.
At Insurance Canopy, all of our policies are 100% fully earned. This means that once a customer’s coverage begins, Insurance Canopy's policies are non-refundable. However, in rare circumstances, a cancellation may be permitted. On these occasions, a cancellation fee will be charged. The one exception to this rule is when one of Insurance Canopy's compliance officers decides the customer’s business is not compliant with an Insurance Canopy policy. This decision is made within three business days of the customer purchasing a policy. In this instance, the customer’s policy will be cancelled as if they had never bought the policy in the first place, and they will be offered a full refund immediately, though it may take some time for the customer’s bank to post the refund to their account.
“AS IS” Use
The materials on our website are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course or performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability, or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.
Limitation of Liability
Your use of the website is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we, nor any third-party, as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the website or any other site you access through a link from the website or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed $100.00.
Your policy coverage territory is the United States (its territory and possessions), Puerto Rico, and Canada. There is no liability or business personal property coverage for losses that occur outside the coverage territory. Please refer to your policy for a complete list of exclusions, conditions, and definitions.
Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions.
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