Terms and Conditions of Use
Brownyard Programs, LTD is a licensed insurance agency within Crum & Forster.1 Crum & Forster, which is part of Fairfax Financial Holdings Limited, is comprised of leading and well-established property and casualty business units. Insurance products placed through Brownyard Programs, LTD are issued by one of the insurance companies within Crum & Forster, rated A (Excellent) by A.M. Best Company, which include: United States Fire Insurance Company, The North River Insurance Company, Crum & Forster Indemnity Company and Crum & Forster Specialty Insurance Company.2
This website is maintained by United States Fire Insurance Company on behalf of itself and its affiliated companies within Crum & Forster (collectively, “C&F” or “Crum & Forster”). Your use of this website is subject to the terms and conditions set forth below. By accessing this website, you acknowledge that you have read and accept these terms and conditions.
Disclaimer of Warranty
This website has been prepared solely for the purpose of providing information about C&F and its products and services. This website and the information provided herein, including any references to our products and services, are provided “as is,” without any warranty or implied term of any kind. Any description of policy coverage is provided for informational purposes and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms, and limitations are defined and provided for in the policy. Use of this website and any content displayed or made available herein shall be at your own risk. C&F will make reasonable efforts to maintain accurate, reliable and current information on the website, but C&F makes no warranty or representation as to the accuracy, adequacy, completeness or appropriateness for any particular purpose of the information contained on this website. You understand and acknowledge that this information may be incomplete, may contain errors or may have become out-of-date. C&F makes no commitment, and expressly disclaims any duty, to update any such information or reports contained on the website and expressly disclaims liability for any errors and omissions therein and for any direct, indirect, incidental, special or consequential damages whatsoever whether arising out of or in connection with your use of, reliance upon, or acting or forbearing to act upon, any information on this website even if C&F has been advised of the possibility of such damages. C&F reserves the right to add, modify or delete any information on this website at any time without notice. This paragraph applies only to the extent permitted by law.
The contents of this website including its design, images, information, data and other information displayed on, transmitted through, or used in connection with this website, such as software, HTML, XML, source and object code (the “Content”) are the intellectual property of C&F and its affiliated companies. The Content is the copyrighted work of United States Fire Insurance Company, and is protected by international copyright law and other proprietary rights. All rights reserved.
No material from this website may be copied, downloaded, published, broadcast or distributed, in whole or in part, without the express written consent of C&F. C&F actively protects its rights to the Content to the fullest extent of the law.
Crum & Forster & C&F are registered trademarks of United States Fire Insurance Company. The C&F logo is a trademark of United States Fire Insurance Company. The Bestguard Plan is a registered trademark of Brownyard Programs, LTD. CoverX is a registered trademark of CoverX Corporation. All other trademarks, service marks, trade names, logos, domain names, URLs and icons (“Marks”) appearing on this website, registered or not, are the property of C&F or their respective owners. Nothing on this website grants you any right or license to use any of the Marks without the express written permission of C&F or the third party owners of the Marks. Unauthorized use may violate trademark and other national and international laws.
Safe Harbor for Forward-Looking Statements
This website may from time to time contain information that may constitute forward-looking statements and such statements are made pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of terms such as “believes,” “anticipates,” “plans,” “expects” and similar expressions. Such forward-looking statements include, without limitation, statements about C&F’s business outlook, plans and expectations, which involve known and unknown risks, uncertainties and other factors that could cause the actual results, performance or achievements of C&F, or industry results, to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. C&F has based these forward-looking statements on current expectations and projections about future events. Discussion of factors that could cause actual results to differ materially from management’s projections, forecasts, estimates and expectations is contained in C&F’s SEC filings. Except as otherwise required by federal securities laws, C&F undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
Limitation of Liability
In no event will C&F or any of its affiliates have any responsibility or liability to any person or entity for damages of any kind arising out of or in any related to (i) your access to or use of this website, or any links provided therein, (ii) your failure to be able to access the website, or (iii) your reliance upon any of the information provided on this website.
Nothing in this website is intended to provide any investment recommendation, advice or service or to constitute an offer to buy or sell any securities or financial instruments.
This website provides links to other sites that are not under the control of C&F. Because those other websites are not under the control of C&F, C&F has no control over, makes no representation concerning, is not responsible for, and cannot guarantee the quality, content, nature, reliability, accuracy, or timeliness of the information posted on, or accessible from, those websites. You agree that you visit linked websites at your own risk and that it is your responsibility to take all necessary protective measures against viruses, worms and other items of a destructive nature. You acknowledge that the linkage to such websites does not represent or constitute an endorsement, investigation, verification, monitoring or adoption by C&F of the views expressed, or of the products and services sold, on those websites. In no event shall C&F be responsible for your use of a linked site. Questions about the content of those websites should be directed to their authors. If you would like to provide a hypertext link from your website to this website, you must request our permission before doing so. To request such permission, send a message via e-mail to:[email protected]
These terms and conditions of use will be governed by and construed in accordance with the laws of the State of New Jersey, without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state or U.S. federal courts located in New Jersey and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these terms and conditions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.
1 C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.
2 Surplus lines products are available in California only on a wholesale basis through Brownyard Programs Insurance Services., a licensed surplus lines broker, California License Number 0B39063.