Terms of use

Agreement

By using this website you accept these terms. If you do not accept them, please do not use the site. These terms govern the website only — the terms of any insurance policy are in the policy itself, and the terms of our service to you as a client are set out separately when you engage us.

What this website is

This site describes insurance products in general terms. It is not a quotation, not an offer of cover, and not advice about your circumstances. Cover, limits, exclusions, pricing and availability vary by product, by carrier and by state. No cover is in force until a policy is issued by a carrier and the first premium is paid.

Where anything on this site conflicts with the wording of a policy, the policy wording governs. Product pages are summaries and leave things out by necessity.

Accuracy

We take care to keep this site accurate and current, but insurance products change frequently and we do not warrant that everything here is complete or up to date at the moment you read it. Always confirm with us before acting on anything you read here.

Your account

If you hold an account with us you are responsible for keeping your password and any multi-factor codes confidential, and for everything done through your account. Tell us immediately if you think someone else has access. We may suspend an account where we reasonably believe it has been compromised or is being misused.

Acceptable use

You agree not to:

• Use the site for anything unlawful, fraudulent or misleading
• Submit information that is false, or that belongs to someone else without their authority
• Attempt to gain access to any account, system or data you are not entitled to
• Probe, scan or test the security of the site except as invited in our security page
• Introduce malicious code, or interfere with the site working properly for anyone else
• Scrape or harvest content or data from the site by automated means

Intellectual property

The content, design, logo and code of this site belong to Equitable Insurance Services or our licensors. You may view and print pages for your own use in dealing with us. Any other copying, republication or commercial use needs our written permission.

Links to other sites

Where we link to a carrier, a regulator or another third party, we do not control that site and are not responsible for its content or its privacy practices.

Liability

We do not exclude liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot be excluded as a matter of law. Subject to that, the site is provided as it is, and we are not liable for indirect or consequential loss, or for loss arising from your reliance on general product information instead of a written recommendation or a policy document.

Governing law

These terms are governed by the laws of the State of New York, and the state and federal courts sitting in New York County have jurisdiction over any dispute. Nothing here removes any protection available to you under the consumer or insurance laws of the state you live in.

Changes

We may update these terms. The version published here when you use the site is the one that applies.