Privacy Policy

The following terms and conditions of use (the “Terms and Conditions”) govern your use of the Workerscompinsurance.com site (the “Site”). The Site is made available by Internet Insurance Group, LLC (the “Site Proprietor” or “we”). BY USING THE SITE, YOU ACCEPT AND AGREE TO THESE TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THE SITE. If you do not agree to these Terms and Conditions, you cannot visit or use the Site. We may change the Terms and Conditions at any time, without contacting you, by posting such changes on the Site. By using the Site following any modifications to the Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions.

You may only use the Site if you live in the United States and you are 18 years old or older.

1. Services Available on the Site

Via the Site, we provide a service by which you can apply to receive insurance or discount program quotes from our broad network of insurance agents and agencies, brokers, discount program representatives and other insurance service providers. Our main focus is to provide important information that visitors to the site can use to make solid decisions about small business insurance and discount programs. Once you provide us with the data needed to complete an on-line quote request form, we will attempt to match you with appropriate insurance agents, brokers, discount programs or other companies.

We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site, including, but not limited to, content, features or hours of availability. We may also impose limits on certain features of the Site or restrict your access to part or the entire Site without notice or penalty.

There is no fee to you for visit and use the Site.

1. Proprietary Rights

As between you and the Site Proprietor, the Site Proprietor owns, solely and exclusively, all rights, title and interest in and to the Site, all the content, code, data and materials thereon, the look and feel, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership of any content, code, data or materials you may access on the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content on the Site on your personal computer or other internet-compatible device, and make single copies or prints of the content on the Site for your personal, non-commercial use only. You may not otherwise copy, reproduce, distribute or otherwise exploit any content, code, data or materials on the Site. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not authorize any license or other authorization to any user of our trade names, trademarks, service marks or other marks or logos without our separate express written agreement. Third party marks are the property of their respective owners.

1. User Submissions

In the course of your use of the Site, you may be asked to provide, or you may provide on your own free will, information or materials to us (such information and/or materials referred to hereinafter as “User Submissions”). User Submissions include, for example, information you submit to us via your application to receive quotations (”Application Data”). User Submissions also include information and materials you submit to us via other on-line forms on the Site, by e-mail, or in any other manner via the Site. Our information collection and use policies with respect to the privacy of personal information (with the exception of testimonials, which may be used as set forth in Section 5, below) are set forth in the Site’s Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.

1. Testimonials

If you submit a testimonial to Workerscompinsurance.com about your positive experience using the site, such testimonial will be deemed not to be confidential or secret, and may be used by us in any manner including posting it on our site. By submitting or sending a testimonial to us, you: (i) represent and warrant that the testimonial is original to you, that no other party has any rights thereto, and that any “moral rights” in such testimonial have been waived, and (ii) you grant us a royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully transferable, assignable and sub-license right and license to use, reproduce, publish, distribute, display, translate, summarize, modify and adapt such testimonial (in whole or part) and/or to incorporate it in other works in any form, media, or technology now known or later developed, in our sole discretion, with or without your name.

1. User Conduct

You warrant and agree that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (a) are protected by copyright, or other proprietary or intellectual property right, without first obtaining authorization from the proprietary or intellectual property rights holder; (b) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another’s privacy or hateful, (c) restrict or inhibit any other user from using and enjoying the Site, (d) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability, or (e) contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.

You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your association with any other person or entity; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes; (c) engage in spamming, flooding, harvesting of e-mail addresses or other personal data, spidering, “copy scraping,” “database scraping,” or any other activity with the intent of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Site; or (d) attempt to gain unauthorized/restricted access to other computer systems through the Site. You agree that you will not use the Site in any manner that could harm, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

You agree to defend, indemnify and hold the Site Proprietor and its directors, officers, employees, affiliates, agents/agencies harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Site, your placement or transmission of any content, information, message software or other materials through the Site, or your breach or violation of the law or of these Terms and Conditions.

1. Your Account and Password

We may enable you to establish an account on the Site with a unique user name and unique password. If so, it is your sole responsibility to maintain the strict confidentiality of your account password, and you are responsible for any activity under your account and password. You agree to (a) immediately contact us of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. It is your sole responsibility to control the dissemination and use of your password, control access to and use of your account, and notify the Site Proprietor when you desire to cancel your account on the Site. We will not be responsible or liable for any loss or damage arising from your failure to comply with this provision.

1. DISCLAIMER OF WARRANTIES

THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE.

YOU SHOULD NOT RELY ON THE SITE TO MAINTAIN ANY USER SUBMISSION; YOU SHOULD RETAIN ALL SUCH DATA AND INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE FAILS OR IS UNAVAILABLE, OR THE DATA OR INFORMATION IS LOST.

1. LIMITATION OF LIABILITY

IN NO EVENT SHALL THE SITE PROPRIETOR OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE SITE.

1. Links from and to the Site

You acknowledge and agree that we have no responsibility for the accuracy or availability of information provided by Web sites to which you may link from the Site (”Linked Sites”). Links to Linked Sites do not constitute an endorsement by or association with us of such sites or the content, products, marketing or other materials presented on such websites. We do not author, edit, or police these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such Linked Sites.

1. Applicable Laws

We control and operate this Site from our offices in the United States of America. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

1. Miscellaneous

The Terms and Conditions and the relationship between you and us shall be governed by the laws of the State of Massachusetts without regard to its conflict of law provisions. You agree that any use of action that may arise under the Terms and Conditions shall be commenced and be heard in the appropriate court in the State of Massachusetts. You agree to submit to the personal and exclusive jurisdiction of the courts located within the State of Massachusetts. Our failure to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms and Conditions remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action by you arising out of or related to use of the Site or the Terms and Conditions must be filed by you within one (1) year after such claim or cause of action arose or be forever barred.

Your Privacy is Important to Us

At Workerscompinsurance.com, your privacy is a critical concern. We understand that you entrust us with your private information to help us match you with an insurance agent (we refer to all of these as “Agents”) who can meet your insurance needs. In exchange for your trust, you expect and deserve our dedication to treat your information with respect. Workerscompinsurance.com will not sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating agents or other parties involved in your transaction, or as may be required by law or court order. The Privacy Policy below describes the standards we adhere to in handling information about you and your insurance quote requests.

What We Want You to Know

1. Workerscompinsurance.com- Who we are and what we do

Workerscompinsurance.com is a well-respected online insurance resource site that connects consumers with insurance agents to compete for their business across a variety of insurance policy types. Workerscompinsurance.com is also an insurance agency and does provide quotes directly to consumers. Workerscompinsurance.com is also a free service that connects you with our nationwide network of quality insurance agents, agencies and carriers.

After you submit your quote request via our web site, we instantly match you to local and national agents who can meet your business insurance needs. We establish this connection by having matching agents contact you via email or phone. These agents will use the information you provided in your quote request to run your quote and contact you with the details. Please note that there are instances where Workerscompinsurance.com does not have a matching agent based on your location and insurance needs. If this occurs, your information may be passed to one of our partner companies to ensure that you receive as many competitive quotes as possible.

Workerscompinsurance.com does not charge a fee to use our service. Workerscompinsurance.com is paid a fee by the insurance agents and/or insurance affiliate partners who purchase leads through our service.

1. Information Collected

Workerscompinsurance.com collects the following personal information for each of our business insurance quote requests. We pass this information on to your matching agents so they can generate accurate quotes for you. The information we provide to agents can include:

• First and Last Name
• Postal Address
• Email Address
• Phone Number
• Business Name
• Industry
• Number of Employees

We collect and track certain technical information to make sure your consumer experience is a beneficial one. We may also use technical information to store your preferences and make future visits to our site quicker for you.

• Cookies – a cookie is a small file stored on a user’s computer that contains information about the user. Cookies allow us to see how and when you use our sites, but they cannot be used to track personal information such as email address or phone number. Cookies also allow us to store the personal preferences that you set during each visit to our sites which can speed up your future visits.
• Log files – Workerscompinsurance.com uses log files to track how our sites are being accessed and used. Log files track anonymous user information such as IP addresses, browser types, Internet service providers, referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our sites. Web logs are tracked only on our company servers and do not place anything on your computer.
• Information from Banner Ads – if you arrive at Workerscompinsurance.com through a banner ad, we can track where you arrived from, as well as clicks that might have impacted our servers. This information is anonymous and cannot be used to gather personal information about you.

1. How Your Information is Used

How we share information with agents
when you submit a quote request on the Workerscompinsurance.com website, your data is used to match you with an average of three to five qualified licensed insurance agents who will look to your insurance needs. In the event that we cannot match you with an agent, your information may be passed on to one of our partner companies in an effort to ensure you receive as many competitive quotes as possible.

How we internally use technical information to improve marketing
Workerscompinsurance.com uses technical information such as cookies and web logs to study how our sites are being used. We can also use cookies to track your preferences so that when you return to our web site, you can navigate more easily without having to re-enter certain information. By analyzing the data that cookies and web logs provide, we can determine how to improve our web sites and banner ad campaigns to better serve our customers.

Other uses of your information by third parties

• Partner companies – in the event that no Workerscompinsurance.com agents can serve your insurance needs, the information from your information request form may be distributed to one of our partner companies. We do this because we feel strongly that if we cannot provide you the information you requested, one of our trusted partner sites should. We consider this part of our commitment to provide excellent customer service. In these circumstances, we pass your quote request only to partner companies that we have an existing contractual relationship. We only partner with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them. Any contact from partner companies is not covered under this policy, nor are any further communications you may have with agents from those partner companies.
• Companies that perform information processing on our behalf – Workerscompinsurance.com partners with companies who manage our email systems and conduct surveys on our behalf. Your personal data may be shared with these companies on a limited basis so that we can create and target our marketing campaigns.
• Law Enforcement – Workerscompinsurance.com will share your personal information in response to law enforcement officers, government personnel, court order or subpoena. This information will only be shared in order to comply with any Workerscompinsurance.com legal obligation.

1. Communications You Can Expect

Confirmation email
Moments after you submit a quote request through Workerscompinsurance.com, you will receive a confirmation email.

Follow up calls and emails from agents
Your quote request is matched with qualified, licensed agents. These agents may contact you via the information that you provided in your quote request.

Newsletter
You may be presented with the opportunity to sign up for our newsletter on the last page of each quote request, within the newsletter center within Workerscompinsurance.com, or on the designated areas located throughout the site. After signing up to receive this newsletter, you will receive a welcome email to confirm your subscription and provide you an opportunity to unsubscribe for any reason.

Newsletter Disclaimer
Workerscompinsurance.com provides the website and the information provided herein as a service to consumers. The information and materials provided on this site are provided for general information purposes and may not be relied on as a substitute for professional or legal advice. The views or opinions expressed by the authors included herein do not necessarily reflect the views or opinions of Workerscompinsurance.com or its affiliates. This information is not intended to create any legal relationship between Workerscompinsurance.com and the user. Neither the transmission nor receipt of these materials will constitute a legal relationship between the sender and the receiver. The information is not guaranteed to be correct, complete, or current. Workerscompinsurance.com makes no warranty, expressed or implied, about the accuracy or reliability of the information expressed herein, or at any other website to which this site is linked. Workerscompinsurance.com also assumes no responsibility for the content and accuracy of materials contained in external sites to which links are provided on this website.

1. Altering or Deleting the Information You Submit Through the Workerscompinsurance.com Website

Email preferences
If you are subscribed to our newsletter and no longer wish to receive it, please take one of the following steps:

• Click the unsubscribe link at the bottom of any email received. (This is the quickest and most effective way to unsubscribe.)
• Submit a written request for removal to our mailing address: Workerscompinsurance.com
  Attn: Email Unsubscribe Department
  50 Prospect Street
  Waltham, MA 02453

Agent communications
When you submit a quote inquiry form with Workerscompinsurance.com, insurance agents will contact you using the phone number and email address provided. In order stop these communications, you must contact the agents directly and request that they stop contacting you.

If you decide to purchase insurance from one of the insurance agents matched to you through Workerscompinsurance.com, all further contact with that agent is not covered under this policy. You should thoroughly read the Privacy Policy of the agent you select in order to make sure that you are comfortable with their policy.

Quote requests
Workerscompinsurance.com is both an insurance agency and a free service that instantly connects you with a nationwide network of qualified and licensed insurance agents and carriers. After you submit your quote request via our web site, we immediately match you to local agents and/or carriers directly or through one of our trusted affiliate partner sites and sends your data to them. This process happens immediately. Because of this, there is not an opportunity for you to edit your original information after it’s been submitted. We recommend that you communicate any needed changes directly to the agents and/or carriers with whom you were matched.

1. Policies applicable to restricted areas within the site

Certain areas of the Workerscompinsurance.com site, such as areas only available to our agents may have additional or different terms and conditions than those addressed in this policy. If you access any of these areas, please consult the privacy policies posted in those areas.

1. Notification of Changes to this Privacy Policy

We may, at our sole discretion, revise this policy at any time in a manner consistent with applicable laws and regulations. When we revise this policy, including changes to Workerscompinsurance.com use of your personal information, we will incorporate the revisions into this policy and will revise the “last revised” date at the top of this web page. We recommend that you regularly visit this policy in order to remain informed about any changes that we may implement. Workerscompinsurance.com LLC Privacy Notice 
By filling out the forms and providing information about yourself on this and the following pages, you acknowledge and agree that:

• You have read, understand and agree to the Workerscompinsurance.com Privacy Policy, and Workerscompinsurance.com may send you electronically (via email or otherwise) any notices with respect to the Privacy Policy
• Workerscompinsurance.com may provide the data you submit to third parties for the purposes of providing you information and quotes about insurance, that such third parties may contact you by the email addresses, physical address or phone numbers that you provide, and that such third parties may use your information to gather additional information about you, such as insurance or credit scores. You further agree that Workerscompinsurance.com is not responsible for the third parties’ compliance with any applicable law concerning telephone, e-mail, or facsimile communications with you.
• Workerscompinsurance.com may contact you using the information you provide.

You are an actual person, you have the right to provide the information you submit, and the information you submit is accurate, complete and truthful.If you do not agree to the terms of this Privacy Notice and the Privacy Policy, then do not enter your information and do not continue with this process and do not provide your information to Workerscompinsurance.com, in which case Workerscompinsurance.com will not be able to have any quotes or insurance related information provided to you.