This page sets forth the terms and conditions under which CapSpecialty, Inc. and its subsidiaries (collectively, "CapSpecialty") provide the information on this website, as well as the terms and conditions governing your use of the website (collectively, the “Terms and Conditions”). Please be sure to read these Terms and Conditions carefully before accessing or making use of the website. Please be advised that by accessing and making use of this website, you are acknowledging your understanding of these Terms and Conditions and agree to be bound by them. These Terms and Conditions are subject to change and revision at any time, without notice, and at CapSpecialty’s sole discretion. Thus, please be sure to visit this page before accessing the website. CapSpecialty may also make improvements and/or changes in the products, services and/or programs described on this site at any time without notice. Your continued access or use of this site shall be deemed your acceptance of any changes and the reasonableness of these standards for notice of changes. If you do not wish to accept these Terms and Conditions, please do not continue to use or access this website.
THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CAPSPECIALTY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CAPSPECIALTY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR OTHER HARMFUL COMPONENTS. CAPSPECIALTY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE, OR ANY HYPERLINKED WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT CAPSPECIALTY) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.
Accuracy of Information
CapSpecialty does not warrant or guarantee the accuracy or completeness of the information provided on this website. Under no circumstances will CapSpecialty be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information. CapSpecialty undertakes no obligation to update any of the information contained on this website.
Trademarks and Copyrights
All trademarks, services marks, trade names, logos, and icons are proprietary to CapSpecialty®. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of CapSpecialty or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. All information contained within this website is copyrighted and all rights are reserved.
The Digital Millennium Copyright Act
CapSpecialty reserves the right, but not the obligation, to terminate your access to this website if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless or whether the material or activity is ultimately determined to be infringing. CapSpecialty and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. CapSpecialty has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act.
Any written notice regarding any infringement of copyright or of other proprietary rights, should be sent to our designated agent, and must include the following information:
A. A physical or electronic signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed and/or (ii) the person defamed;
B. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
C. Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material;
D. Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address; and
E. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.
If you choose to access this website from outside the United States you do so on your own initiative and are responsible for compliance with United States and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the United States Treasury Department list of Specially Designated Nationals or the United States Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with United States Export control laws and that you will not transfer any software or other content from this website to a foreign national or foreign country in violation of those laws
Hypertext LinksSome of the pages on this site may provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites, or that those sites are free from viruses, worms, trojan horses, malicious codes and other items of a destructive nature. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors.
If you would like to provide a hypertext link from your site to this site, please request our permission before doing so. Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to this site.
In no event will CapSpecialty be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site or hyperlinked sites. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature.
Receipt of Electronic Documents
CapSpecialty may provide copies of insurance policies and related documents to agents, brokers and other producers via electronic mail (e.g. PDF attached to an e-mail) and such agents, brokers and other producers consent to the receipt of these documents by electronic mail, unless they have informed CapSpecialty, in writing, of their desire to not receive documents in this manner. Any election to not receive documents in electronic format shall be directed to marketing@CapSpecialty.com. Notwithstanding anything contained herein, agents, brokers and other producers receiving documents by electronic mail agree to deliver such documents to the applicable insureds in a manner and format permitted under any applicable law.
Products and Services
Please note that none of the information contained in this website should be viewed as an offer to any prospective producer, agent or insured to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products and services CapSpecialty generally offers.
Coverage and product statements displayed on this website are for general description purposes only. This website does not amend, modify or supplement the policies in any way whatsoever. The information and descriptions contained herein are not intended to be complete descripitons of all terms, conditions and exclusions applicable to the products and services, but are provided solely for general informational purposes. All products and services are written or provided by subsidiaries of CapSpecialty, Inc. Some coverages may be provided by a surplus lines carrier that would not generally participate in state guaranty funds. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers.
Consent to Electronic Record and Use of Electronic Signature
You hereby agree to conduct transactions through this website by electronic means and in an electronic format. Your password is your "Electronic Signature." You agree that it is your lawful, original signature for the purpose of authenticating the validity of documents assented to by you. You may contact CapSpecialty at any time to:
You may contact CapSpecialty by telephone at 608-829-4200, by email at marketing@CapSpecialty.com. or by writing to CapSpecialty® Information Services, 1600 Aspen Commons Middleton, WI 53562-4718.
To the extent that you are utilizing this website on behalf of and/or in connection with the representation of any insured, or potential insured, you represent and warrant that:
1. You have been granted the authority by any necessary party to provide the information supplied by you to CapSpecialty through this website;
2. You agree, on behalf of any party you represent, to the terms and conditions applicable to the use of this website; and
3. Any information you provide to CapSpecialty is true and correct to the best of your knowledge, information and belief.
The information provided on this site is distributed with the understanding that CapSpecialty is not providing professional advice of any type. If you have a question requiring professional advice, such a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.
Minors and Child Online Privacy Protection Act
This website does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act. If you allow your Minor child, or a child for whom you are legal guardian (a "Minor"), to access the Website, you agree that you will be solely responsible for: (i) the online conduct of such Minor; ii) monitoring such Minor's access to and use of this website and the consequences of any use.
Enforceability of These Provisions
Should any of these Terms and Conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent of CapSpecialty. Provisions not otherwise held invalid shall remain in force. Use of this website and any transactions with CapSpecialty through this website shall be governed by the laws of the State of Wisconsin without giving affect to principles of conflicts of laws. You agree any legal action or proceeding between you and CapSpecialty arising out of this website will be brought exclusively in a federal or state court of competent jurisdiction sitting in Madison, Wisconsin.