Terms and Conditions of Use

Please read these terms and conditions of use ("Terms") thoroughly. By clicking "I Accept" and downloading or using The XL Insurance Contract Guide, you are hereby agreeing that you understand and will abide by these terms.

Authorized Users

The complete XL Insurance Contract Guide is intended for the exclusive use of policyholders, agency representatives and panel counsel in its design professional program. This promotional version has been approved for general use.

Disclaimer

THE MATERIALS AND INFORMATION ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. X.L. America, Inc. disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

In using this Guide, it is important that the user understands that the Design Professional group of the XL Insurance companies is not engaged in rendering legal or other professional services. This website and all sample contract clauses herein were written for the sole purpose of providing general information on select subject matters. They are not intended to set a standard of care for design professionals, nor are they to be regarded as providing legal opinion or legal advice, in general or in regard to a particular case. Accordingly, X.L. America, Inc. assumes no liability whatsoever in connection with its use.

The information contained herein should be used in conjunction with specific guidance from competent legal counsel experienced in the design and construction industry and familiar with the laws in your state, province or jurisdiction whose laws will govern your contract.

Furthermore, any and all statements presented in this Guide, including those pertaining to fees and client dealings, are based on generally accepted concepts of risk management and prudent business behavior. In all circumstances, how you handle your fees, client-selection measures and other related business practices is your choice and your decision alone.

Regulatory Information

Any descriptions of insurance provisions in this Guide are general overviews only. SPECIFIC INSURANCE POLICIES, NOT THIS PUBLICATION, FORM THE CONTRACT BETWEEN AN INSURED AND THE INSURANCE COMPANY. The policies contain limits of insurance, coverage exclusions and other terms and conditions that are not listed in this Guide. Additionally, all coverages are subject to individual underwriting judgments and to state legal requirements.

"XL Insurance" is is the global brand used by XL Group plc's (NYSE: XL) insurance companies. Coverages underwritten by Greenwich Insurance Company, Indian Harbor Insurance Company, XL Specialty Insurance Company, and XL Insurance Company Limited-Canadian Branch. Coverages not available in all jurisdictions.

Hyperlinks

X.L. America, Inc. cannot guarantee that the external hyperlinks set out on this website will be accurate at the time of your access. Moreover, the websites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom X.L. America, Inc. has no control. We cannot and do not monitor the websites linked to our pages on the Internet. Accordingly, X.L. America, Inc. assumes no responsibility for the content of any website referenced to by any hyperlink or otherwise. X.L. America, Inc. believes that its making hyperlinks available to publicly accessible Web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Intellectual Property

All intellectual property rights including copyright, database rights and first publication rights, patents, registered trade marks and know-how in the content published on this website, unless otherwise indicated, are owned by X.L. America, Inc. All content published on this website, unless otherwise indicated, is protected by copyright. All trade marks and devices displayed on this website, unless otherwise indicated, are owned by X.L. America, Inc Save as provided below, any use or reproduction of these trade marks and/or devices is prohibited.

Subject to any prohibitions stated in third-party websites accessible via external hyperlinks in the website over which we have no control whatsoever, you may view the content published on this website, and you are welcome to print hard copies of material on it for your personal or internal business purposes. You will also be entitled to download certain files from this website made available for this purpose, which you may then use for your personal or internal business purposes. All other copying is strictly prohibited.