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Your use of this website and any related site (“Site”) is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Starr Indemnity & Liability Company (“Starr Indemnity”) reserves the right to modify these Terms of Use at any time. Continued use of this Site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Application for Insurance

By submitting an Application of Insurance through this Site, you represent that you are licensed to transact insurance business in accordance with applicable state law and assume all liability for failure to comply with such laws.

You agree that the terms stated in these Terms of Use of this Agreement, combined with your act of using the Site and/or the services offered on or through the Site have the same legal force and effect as a written contract with your written signature and satisfy any laws that require a writing or signature, including any applicable Statute of Frauds.

Fraud Warning: Any person who knowingly and with an 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 may be a crime, and may expose that person to civil liability as well.

Limitation of Liability

STARR INDEMNITY 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 (b) unless resulting from the gross negligence or intentional actions of STARR INDEMNITY, the unauthorized access to or alteration of your transmissions or data, even if STARR INDEMNITY has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of New York 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 York.

Should any provision of these Terms of Use 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.

Underwriting Companies

The business owner insurance policies are underwritten by Starr Indemnity & Liability Company

Starr Indemnity & Liability Company, a Texas domiciled insurance company, has its principal place of business at 399 Park Avenue, New York, New York 10022. It is currently authorized to transact business in all states, the District of Columbia and Puerto Rico. NAIC No. 38318.

The insurance coverages described in this document and on this Site are only a brief description of available insurance coverage. This Site and any related website is intended for general information purposes and does not provide any guidance regarding coverage that may or may not be available under a policy issued in respect to any claim. Any Policy issued by Starr Indemnity & Liability Company will contain limitations, exclusions and termination provisions