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 of this website is subject to all applicable federal, state, and local laws and regulations.

General Information

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.

Refund Policy

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.

Coverage Territory

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.

General Provisions

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.

Copyright Notice

Trademark Notice

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

Privacy Notice

Please see insurancecanopy.com’s Privacy Policy.

COPYRIGHT POLICY

Reporting Claims of Copyright Infringement

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from this site (the “Website“) infringe your copyright, you may request removal of those materials (or access to them) from the Website by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA“), the written notice (the “DMCA Notice“) must include substantially the following:

Your physical or electronic signature.
Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.
Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).
A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the written notice is accurate.
A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated copyright agent to receive DMCA Notices is:

Insurance Canopy
P.O. Box 34833
North Chesterfield, VA 23234

info@insurancecanopy.com

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

Counter Notification Procedures

If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter notification with us (a “Counter Notice“) by submitting written notification to our copyright agent designated above. Pursuant to the DMCA, the Counter Notice must include substantially the following:

Your physical or electronic signature.
An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.
Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).
A statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.
A statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Website may be found) and that you will accept service from the person (or an agent of that person) who provided the Website with the complaint at issue.

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter Notice.

Please be aware that if you knowingly materially misrepresent that material or activity on the Website was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

Repeat Infringers

It is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers.