Terms and Conditions

Terms and Conditions Legal Disclaimer

Conditions for Website Use

By using this website, you signify your agreement to the terms and conditions contained in any legal notices contained on this website. Please read all agreements carefully, including our Privacy Policy. We reserve the right to add, delete, or otherwise modify portions of any terms at any time. User access to and use this website is subject to all applicable federal, state, and local laws and regulations.

General Information

This website’s quotes, applications, policy forms, or other documents are for general information only. Customers and policyholders are hereby advised that The Allen Thomas Group does not warrant that forms on this website are The Allen Thomas Group’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.

Refund Policy

At The Allen Thomas Group, our policies are 100% fully earned. This means that The Allen Thomas Group’s policies are non-refundable once a customer’s coverage begins. 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 The Allen Thomas Group’s compliance officers decides the customer’s business is not compliant with a policy from The Allen Thomas Group. This decision is made within three business days of the customer purchasing a policy. In this instance, the customer’s policy will be canceled 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” without warranties, 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 a 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 on 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 data loss.

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 of 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 the 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 action under contract, tort, or any other theory, exceed $100.00.

Coverage Territory

Your policy coverage territory is the United States. There is no liability or business personal property coverage for losses outside the coverage territory. Please refer to your policy for a complete exclusions, conditions, and definitions list.

General Provisions

Our failure to insist upon or enforce strict performance of these terms and conditions shall not be construed as waiving 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.

Copyright Notice

Trademark Notice

The Allen Thomas Group’s designs, graphics, and logos contained on this site are trademarks of The Allen Thomas Group and may not be used without the express written consent of The Allen Thomas Group.

Privacy Notice

Please see The Allen Thomas Group’s Privacy Policy.