Terms and Conditions

These are the Terms and Conditions for use of this website www.professionalriskfacilities.com. For purposes of this Terms and Conditions statement, the use of “we”, “us” or “our” or “Professional Risk Facilities” is defined as Professional Risk Facilities Excess and Surplus, Inc. and its subsidiaries and the use of “you” and “your” refers to the user of the website. These Terms and Conditions apply to the use of this website. Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site or any pages thereof. Professional Risk Facilities reserves the right to change these Terms and Conditions in order to address future developments of Professional Risk Facilities, the website or changes in the industry or legal trends.

Hyperlinks

This site may contain links to websites controlled or offered by third parties (non-Professional Risk Facilities affiliates). Professional Risk Facilities hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, Professional Risk Facilities does not endorse or recommend any products or services offered or information contained at those sites. You should make an independent investigation and evaluation regarding the site and the product and services offered by the sponsors of these sites.

Disclaimer

The content contained on this web site has been prepared by Professional Risk Facilities as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. Notwithstanding that Professional Risk Facilities has used reasonable efforts in compiling, preparing and providing quality content, it makes no warranty or guarantee about the accuracy, completeness or adequacy of the information contained in or linked to this web site. The information and descriptions contained herein are summary in nature and are not intended to be a complete description of the terms, conditions or exclusions of the products, services and programs described. The information exists solely for general informational purposes. Please refer to the actual policy, product, program or service for a complete description of its terms, conditions and exclusions.

Intellectual Property Rights of Professional Risk Facilities

All original content created and posted by Professional Risk Facilities on our Site, including all trademarks, service marks, trade names, logos, and icons are proprietary to Professional Risk Facilities. No part of the content made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval of Professional Risk Facilities. Nothing contained on this 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 approval of Professional Risk Facilities.

Limitation of Liability

To the extent permissible by applicable law, by use of this website you acknowledge that you understand and agree that Professional Risk Facilities 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 Professional Risk Facilities 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 also acknowledge that you understand and agree that your use of the web site is predicated upon your waiver of any right to sue Professional Risk Facilities 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.

Questions

If you have any questions or concerns relating to these Terms of Use, please contact Professional Risk Facilities’s General Counsel via e-mail at info@professionalrisk.net / 516-747-6060.

Revenue Disclosure

As a licensed insurance producer in the sale of insurance, Professional Risk Facilities, Inc. and its’ subsidiaries (“Professional Risk Facilities”) represent clients’ interests by obtaining the best coverage at a reasonable cost. We generally receive compensation paid by the selling insurer based in whole or in part on the policy we sell and calculated as a percentage of premium the insurer receives. We may be eligible for additional or supplemental compensation from the insurer depending upon a number of factors, including our total written premium, loss ratio, growth, retention and profitability over a period of time. Professional Risk Facilities sometimes uses other parties to aid in the placement of insurance. In those cases, those third parties receive fees and/or commissions that are usual and customary. You can request further information from us about our compensation from the sale of your insurance contract or on any alternative quotes presented by us.