Terms of Use

Any applications or submissions for quotes on this web site are informational only and not legally binding. Only authorized representatives have authority to bind coverage, issue policies or certificates of insurance or agree to the addition or deletion of coverage.

Product descriptions are included herein for the sole purpose of providing a quick reference tool concerning the general nature and types of products available. Products or policies referenced in these descriptions may not be available in all states. The descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions in the subject policies, but are solely provided as general descriptions of the products. Descriptions contained herein are general and informational only. Anyone interested in a particular product should request a copy of the policy to determine the scope and limitations of coverage.

This publication is provided "as is" without warranty of any kind, either expressed or implied as to its accuracy. National Indemnity Company and its group of companies assume no responsibility for errors or omissions in this publication or other documents which are referenced by or linked to this publication. In no event shall National Indemnity Company or any member of its group of companies be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of use, data or profits whether or not advised of the possibility of damage, and on any theory, arising to or in connection with the use or performance of this information. This publication may not be used to interpret any provision of an insurance policy.

This publication could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in the new editions of the publication. Berkshire Hathaway Specialty Insurance may make changes in the product(s) and/or the program(s) described in this publication at any time without notice.

Use of this web site shall be governed by and construed in accordance with the laws of the State of Nebraska, without effect to choice of law principles.

Copyright and Trademark Rights

The trademarks, logos and service marks ("Marks") displayed on this website are the property of BHSI. Users are prohibited from using any Marks for any purpose including, but not limited to, use as metatags on other pages or websites without the prior written permission of BHSI or the owner of the relevant Marks.

You hereby acknowledge and agree that, as between BHSI and you, all right, title, and interest in and to this website, including without limitation any patent rights, patents, business methods, copyrights, trademarks, trade secrets, inventions, know-how, and all other intellectual property rights pertaining thereto, shall be owned exclusively by BHSI.

This website may contain links to other websites operated by other parties (each a “Linked Site”). BHSI provides these links to other websites as a convenience, and your use of these websites is at your own risk. The Linked Sites are not under the control of BHSI, and BHSI is not responsible for the content available on these third party websites. Such links do not imply BHSI’s endorsement of information or material on any other website and BHSI disclaims all liability with regard to your access to and use of such Linked Sites.

Unless otherwise set forth in a written agreement between you and BHSI, you must adhere to BHSI’s linking policy as follows: (i) the appearance, position and other aspects of the link may not be such as to damage or dilute the reputation of BHSI; (ii) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with BHSI; (iii) when selected by a user, the link must display the website on full-screen and not within a "frame" on the linking website; and (iv) BHSI reserves the right to revoke its consent to the link at any time and in its sole discretion.

Should any provision of these terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions, and the remainder of these terms and conditions will be reformed to carry out the intentions of the parties.