Legal Information

Combined Life Insurance Company of New York Protections for Domestic Violence Victims under § 2612 of the New York Insurance Laws

New York Insurance Law §2612 provides Victims of Domestic Violence specific protections by prohibiting insurers from taking certain actions solely because the person is or has been a victim of domestic violence, including:

  • refusing to issue or renew an insurance policy, or denying / cancelling any insurance policy or contract;
  • demanding or requiring that a victim of domestic violence pay greater premium;
  • designating domestic violence as a preexisting condition, for which coverage will be denied or reduced;
  • fixing any lower rate or discriminating in the fees or commissions of agents or brokers for writing or renewing a policy for a victim of domestic violence; or
  • using the fact that a person is or has been a victim of domestic violence as an underwriting criterion.

In addition to the protections noted above, effective January 1, 2013, health insurers are required to accommodate a reasonable request made by a person covered under its insurance policy to receive communications of claims-related information by alternative means or at an alternative location if the person clearly states that disclosure of the information could endanger the person. If a child is the covered person, then this right may be asserted by the child’s parent or guardian.

Within three business days of receiving a confidential communication request form, except with the express consent of the person making the request, Combined Insurance will not disclose to the policyholder or other insured under the policy: (1) the address, telephone number, or any other personally identifying information of the person who made the request, or of any child residing with the person who made the request, or of any child for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name, address or telephone number of the provider of the services; or (4) any other information from which there is a reasonable basis to believe the foregoing information could be obtained.

Procedure for New York Insureds to Submit a Confidential Communication Request to Combined Insurance

An insured (or dependent insured) under a Combined Life Insurance Company of New York policy may submit a confidential communication request by completing the confidential communication request form PDF file opens in a new window and faxing the form to 312 351-6940 or by mailing the form to the address below:

Combined Life Insurance Company of New York
PO Box 6706
Scranton, PA 18505-0703

Once a confidential communication request has been honored, the request will remain in effect until the requestor submits a sworn and notarized statement revoking the previous request and faxing or mailing the revocation to the facsimile or address noted above.

For further information on domestic abuse services, you can contact the NYS Domestic and Sexual Violence Hotline by dialing 1-800-942-6906 or by accessing the website for the New York State Office for the Prevention of Domestic Violence Opens in new window.

HIPAA Insurance Information

Below is Combined Insurance's notice of privacy practices as required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) in addition to the HIPAA Transaction Standard Companion Guide.

The HIPAA EDI Transaction Standard Companion Guide explains the procedures necessary for Trading Partners of Combined Insurance to transmit Electronic Data Interchange(EDI) transactions.

This HIPAA health insurance Companion Guide is not intended to replace the X12N Implementation Guides; rather it is intended to be used in conjunction with them. Additionally, the Companion Guide is intended to convey information that is within the framework and structure of the X12N Implementation Guides and not to contradict or exceed them.

This HIPAA insurance notice describes how certain medical information about you may be used and disclosed as well as your rights regarding this information.

HIPAA Policy (English)PDF file opens in a new window
HIPAA Policy (Spanish)PDF file opens in a new window

New York Residents / Policyholders
HIPAA Policy (New York - English)PDF file opens in a new window
HIPAA Transaction Standard Companion Guide PDF file opens in a new window

Compliance

Combined Insurance is committed to upholding the highest business standards possible. To ensure this, we comply with government policy and actively participate in insurance associations (the names and links of which are noted for your reference).

Government of Puerto Rico - Office of the Commissioner of Insurance
Rule 93 - The Prevention and Detection of Financial Exploitation of Older Persons and Adults with Disabilities.

Combined Insurance Company of America believes that each of us should play a role in preventing and detecting cases of financial exploitation of Older Persons or Adults with Disabilities and recommends that family members, caregivers and others should watch for and report possible financial exploitation of Older Persons or Adults with Disabilities.

Consumer Awareness Flyer (English)PDF file opens in a new window
Consumer Awareness Flyer (Spanish)PDF file opens in a new window

Privacy Policy

We know that privacy is very important to most people and we want to let you know that it is important to us, too. The following is a summary of our privacy practices to let you know:

  • What information we might collect
  • What we do with the information we collect
  • What security measures we have in place

General Information

We respect your right to privacy. Whether you are a current customer of Combined Insurance or if you are just visiting this site, we assure you that we do not collect personal information about you unless you provide it to us. Combined Insurance's web site contains links to other sites. We cannot comment on the privacy practices of these other sites and strongly urge you to review the privacy policy on each site you visit.

Your Information

Personal information is not collected unless you give it to us. If you are simply browsing this site, we do not collect any personal information. From time to time, we may compile statistics on the use of our site. We may monitor statistics such as how many visitors we've had or which browsers people use but this data does not identify anyone personally.

E-Mails

Combined Insurance uses links through its site to allow you to elect to contact us via e-mail. Although we will ask you to call or write us about many topics we consider too sensitive to be done via e-mail, we do accept questions and welcome your comments and suggestions. In addition, you may also be offered the opportunity to have one of our representatives contact you. To better serve you in this regard, we may require that minimal personal information be provided to us, such as your name and telephone number. We may keep this information on file to help us help you in the future. We may also share this information with a subsidiary, business partner, representative or affiliate of Combined Insurance so that they may contact you about other goods and services or to assist you in the support, renewal or purchase of Combined Insurance products and services

Cookies

A "cookie" is a piece of information that our web site sends to your browser which then stores this information on your system. If the cookie is stored, the web site remembers information about you and your preferences. If the cookie is temporary it will only remember information about you until you exit the current browser window. If your cookie is permanent it will retain information about you until you disable or delete the cookie. Many people like to use cookies to save time. Remember - cookies only contain information which you have already provided to us. They are not able to get into your hard drive and return to the sender with personal or other information from your computer.

We only use cookies in two ways. The first is for temporary cookies. When you visit our site, our web server automatically sends your browser a temporary cookie which is used to help your browser navigate our site. Any information is erased when you close your current browser window. If you visit our site from one of our business partners our web server may send your browser a temporary cookie that reflects an "origination code" for that business partner. This information is used for statistical and marketing purposes.

If you visit our web site and request information from us, we may also use cookies. If you click on a box that says something like "please remember my profile" we'll send a cookie. If you want more information check out the following:

Microsoft Internet Explorer users visit

www.microsoft.com/info/cookies.mspxOpens in new window

Questions regarding this Privacy Statement should be directed to Privacy Officer (attn: Customer Service). Please specify "Privacy Statement" in the subject line of your e-mail. To return to the site, just close this window.

 

Terms of Use

Effective Date: August 8, 2016

This Web Site is owned and maintained by Combined Insurance, a Chubb company, and/or one or more of its affiliates (the "Owner", “we”, “us” or “our”) within the Chubb group, including but not limited to ACE American Insurance Company, Chubb INA Holdings Inc., Combined Insurance Company of America, and Combined Life Insurance Company of New York. Chubb is composed of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions. 

This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within Combined Insurance. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, "Content"), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site ("Software").

Acceptance of Terms

Your access to and use of this Web Site (as well as any other web sites owned or operated by or in conjunction with Combined Insurance) are subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of these terms or conditions you are not authorized to access or otherwise use this Web Site or any Content, Services or Software contained on this Web Site. YOUR ACCESS TO AND USE OF THIS WEB SITE CONSTITUTE YOUR ACCEPTANCE OF AND AGREEMENT TO ABIDE BY EACH OF THESE TERMS AND CONDITIONS SET FORTH BELOW.

These Terms of Use may be changed, modified, supplemented or updated by the Owner from time to time without advance notice. Unless otherwise indicated, any new Products and Services, Content and Software added to this Web Site will also be subject to these Terms of Use effective upon the date of any such addition. We may notify you about material changes in the Terms of Use by placing a notice on the Web Site or by the posting of the updated Terms of Use on the Web Site. You should check the Web Site and this Terms of Use page frequently for updates. 

The information contained on this Web Site is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.

Access & Content

Limited License and Site Access – The Owner hereby grants you a limited license to access and make personal use of this Web Site but not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of the Owner. This license does not include any resale or commercial use of this Web Site or its contents; any collection or use of any product listings, descriptions, or prices; any derivative use of this Web Site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Web Site or any portion of this Web Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of the Owner. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Owner or its affiliates without their express written consent. You may not use any meta-tags or any other "hidden text" utilizing any of the Combined Insurance name(s) or service marks without the express written consent of their owners. Any unauthorized use terminates the permission or license granted by the Owner.

Availability of Products and Services – Unless indicated otherwise, non-U.S. companies within Combined Insurance are not licensed or otherwise authorized to conduct business in the United States and do not engage in or transact any business in the United States through this Web Site or otherwise.  

Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Also, Products and Services may vary by jurisdiction and may not be offered by all Combined Insurance companies, nor are all Products and Services available or suitable for all jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY COMBINED INSURANCE COMPANIES. No insurance product or other product or service is offered or will be sold by Combined Insurance or, if sold by a Chubb company, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

Please contact a designated Combined Insurance representative or your broker to find out which Products and Services are available to you in your jurisdiction 

This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. Combined Insurance attempts to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.

Safe Harbor Statement – This Web Site may from time to time contain forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995 (U.S.). That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of Chubb or any of its subsidiaries or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement.

Please refer to Chubb’s filings with the Securities and Exchange Commission, including the most recent Forms 10-K and 10-Q, and any Forms 8-K since the most recent Form 10-K, for further information on such uncertainties and inherent risks and the "safe harbor" under the Private Securities Litigation Reform Act of 1995.

Owner & Restrictions

Copyright – Except as otherwise expressly stated, all Content and Software appearing on this Web Site are the copyrighted work of Combined Insurance or its affiliates or third party content suppliers and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of Combined Insurance or its affiliates and is protected by U.S. and international copyright laws.

You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the Owner or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Owner. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither the Owner nor its affiliates warrant or represent that your use of Content, Services, Software or any other materials displayed on this Web Site will not infringe rights of third parties.

Note: To anyone who believes their intellectual property rights have been infringed upon by the Web Site, report such alleged infringement by email to CICPHS@combined.com.

Trademarks and Service Marks – Certain trademarks, including but not limited to, "COMBINED INSURANCE", "COMBINED INSURANCE COMPANY OF AMERICA", and "COMBINED LIFE INSURANCE COMPANY OF NEW YORK" are the registered service marks of Combined Insurance or one of its subsidiaries. The domain name for this Web Site (www.combinedinsurance.com), the Combined Insurance and Chubb logos, all page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress of Chubb or its affiliates. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of the Owner.

Information submitted via this Web Site – With the exception of any personal data or information you submit (which shall be maintained in accordance with our Combined Insurance Web Site Privacy Policy ), any information you transmit to the Owner via this Web Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary.  Further, you hereby grant Combined Insurance the right to use, modify, adapt, reproduce, distribute, and display content submitted on the Web Site. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The Owner shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Owner via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. 

Proprietary Software – Any Software accessible through this Web Site is the property of the Owner or the property of its third party vendors and suppliers and is protected by U.S. patent and copyright laws and/or international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by the Owner through this Web Site for your use in accessing the Content.

The Software provided on this Web Site is owned by or licensed to the Owner, and may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You shall not copy, transfer or export such software in violation of such applicable export laws and regulations. The Owner does not authorize the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by such export controls laws and regulations. 

Prohibited Use – The following is prohibited: any use or attempted use of this Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) to interfere with any other party's use and enjoyment of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Owner to be made accessible to a user, or (vi) to obtain any materials or information through any means not intentionally made available by the Owner, or (vii) for any use other than the business purpose for which it was intended. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, malware, or network probing tools) is strictly prohibited.

In addition, in connection with your use of the Web Site, you agree you will not:

a) Upload or transmit any message, information, data, text, software or images, or other content ("Material") that you do not have a right to reproduce, is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, that may invade another's right of privacy or publicity, or that may infringe another’s intellectual property rights including trademark, patent, copyright, trade secret, service mark, or other propriety rights of any person; 

b) Create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any ACE Group representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;

c) Upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements); 

d) Upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another; 

e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature; 

f) Upload or transmit any unsolicited advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes" or any other form of solicitation, commercial or otherwise;

g) Delete or revise any Material posted by any other person or entity;

h) Manipulate or otherwise display the Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Web Site other than the main  homepage,  www.combinedinsurance.com, in accordance with the limited license and Web Site access outlined above;

i) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorized by such party to do so; or 

j) Harvest or otherwise collect information about others, including e-mail addresses.

The Owner reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the immediate removal or block of user submitted content or the suspension or termination of the user's access and/or account.

If you become involved in any violation of system security, the Owner reserves the right to release your details to system administrators at other sites, law enforcement and/or governmental authorities in order to assist them in resolving security incidents.  Except as may be expressly limited by the Combined Insurance Web Site Privacy Policy, the Owner reserves the right at all times to disclose any information as the Owner deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Owner's sole discretion.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS COMBINED INSURANCE FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY COMBINED INSURANCE DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY COMBINED INSURANCE OR LAW ENFORCEMENT AUTHORITIES.

Security & Control

Password Accounts, Passwords, and Security – If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify the Owner of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. The Owner will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Owner or another party due to someone else using your account or password. You may not use anyone else's account at any time, with or without the permission of the account holder. The Owner shall be entitled to monitor your username and password and, at its discretion, require you to change it.

Right to Monitor – The Owner neither actively monitors general use of this Web Site under normal circumstances nor exercises editorial control over the content of any third party's web site, electronic mail transmission, news group, or other material created or accessible over or through this Web Site. However, the Owner does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in the Owner's sole discretion, may be illegal, may subject the Owner to liability, may violate these Terms of Use, or are, in the sole discretion of the Owner, inconsistent with the Owner's purpose for this Web Site. 

Hyperlinks to Third Party Web sites – This Web Site may contain hyperlinks to other sites owned and operated by parties other than the Owner. Such hyperlinks are provided only for ready reference and ease of use. We do not control such web sites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Web Site provides hyperlinks to other web sites that are not owned, operated or maintained by the Owner or its affiliates, you acknowledge and agree that the Owner is not responsible for and is not liable for the content, products, services or other materials on or available from such web sites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party web sites or for any action you may take as a result of linking to any such web site. Any such web sites are likely to set forth specific terms of use and privacy policies that you should review. The Owner is under no obligation to maintain any link on this Web Site and may remove a link at any time in its sole discretion for any reason whatsoever. Neither the Owner nor its affiliates shall be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such web site.

No Combined Insurance Editorial Control of Third Party Content; No Statement as to Accuracy – To the extent that any of the Content included in the Web Site is provided by third party content providers, the Owner has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. The Owner does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Web Site or referenced content of service providers will not infringe rights of third parties not owned by or affiliated with Combined Insurance.

Electronic Communications – When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Reservation of Rights to Modification – Combined Insurance reserves the right to modify or discontinue, temporarily or permanently, any of the Products and Services, Content or Software, or any portion thereof, with or without notice. Neither the Owner nor its affiliates will be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.

Privacy Policy – Our Privacy Policy describes Combined Insurance’s collection, use and protection of nonpublic personal information and will help you understand how we secure and treat information that we obtain. We urge you to read our Combined Insurance Web Site Privacy Policy

General Provisions

Disclaimer: Information contained on this Web Site has been prepared by the Owner as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Owner has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other web site maintained by the Owner.

Product Specifications; Pricing; Typographical Errors: The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant Product or Services agreement for complete terms, exclusions and conditions. Should you purchase a Combined Insurance product from Combined Insurance or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.

This Web Site may provide you with planning and educational tools. Such tools allow you to model "what-if" scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools are not part of any planning report for which you may have paid a fee, even if the tools include information derived from or contained in a report.

YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND THE OWNER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE OWNER MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, NON-INFRINGING, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

Limitation of Liability – YOU UNDERSTAND AND AGREE THAT THE OWNER WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE OWNER HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE WEB SITE, PRODUCTS AND SERVICES, CONTENT OR SOFTWARE, OR ANY OTHER MATTER RELATED TO THE WEB SITE, PRODUCTS AND SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE OWNER OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Indemnification – You agree to indemnify, defend and hold harmless the Owner, Combined Insurance, its affiliates and their officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of the Web Site or any violation of these Terms of Use. If you cause a technical disruption of the Web Site or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption.  The Owner reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Owner in the defense of such matter. 

This Web Site Contains a Binding Arbitration Provision Which May Be Enforced by the Parties.

Dispute Resolution – Any controversy or claim arising out of or relating to these Terms of Use or use of this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association, except that, to the extent you have in any manner violated or threatened to violate the Owner’s or any Combined Insurance’s intellectual property rights, the Owner may seek injunctive or other appropriate relief in any state or federal court in the  State of Illinois, and you consent to exclusive jurisdiction and venue in such courts. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Chicago, Illinois and the judgment of the arbitrator may be entered and/or enforced in any jurisdiction competent to do so. Either you or the Owner may seek any interim or preliminary relief from a state or federal court of competent jurisdiction in Chicago, Illinois as may be necessary to protect the rights or property of you or the Owner pending the completion of arbitration. You agree that any action to enforce this arbitration provision will be brought in the federal or state courts located in Chicago, Illinois.

Governing Law; Severability of Provisions – These Terms of Use are governed by the laws of  the State of Illinois,  USA and controlling United States federal law without regard to any conflicts of law provisions, unless such law cannot be applied in a particular jurisdiction under prevailing applicable law. If any provision is deemed by a court of competent jurisdiction to be unlawful, void or unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Notice for California Users- Under California Civil Code Section 1789.3, California users of the Web Site are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at 916.445.1254 or 800.952.5210.

Underwriting Entities

The following information is disclosed pursuant to various state insurance laws, including but not limited to those in California, Massachusetts and Missouri. 

Insurance Company

NAIC Identification Number

Principal Address

List of Jurisdictions Authorized to do Business

State of Domicile

Combined Insurance Company of America

62146

1000N Milwaukee  Avenue, 6th Floor Glenview, IL 60025

Licensed in all U.S. states, except NY; also licensed in District of Columbia, Puerto Rico, the U.S. Virgin Islands and Canada

Illinois

Combined Life Insurance Company of New York

78697

13 Cornell Road, Airport Park, 1st Floor, Latham, NY 12110

Licensed in Connecticut, New York, Florida and Illinois

New York

 

Entire Agreement – These Terms of Use, the Combined Insurance Web Site Privacy Policy , and other policies the Owner may post on this Web Site constitute the entire agreement between the Owner and you in connection with your use of this Web Site and the Content, and Software, and supersedes any prior agreements between the Owner and you regarding use of this Web Site, including prior versions of these Terms of Use. The Owner may update these Terms of Use from time to time by posting revised Terms of Use on this Web Site, with or without notice to you, and your subsequent use of the Web Site indicates your acceptance of and is governed by those new Terms of Use. These Terms of Use are effective until terminated or updated by the Owner, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in these Terms of Use will survive. These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Web Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will control.  A printed version of these Terms of Use shall be admissible in judicial or administrative proceedings based on or relating to use of the site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.