Website Disclaimer & Privacy Policy 

General Disclaimer:
Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. The
data contained herein is for informational purposes only and is not represented to be
error free. Any links to non-nifgroup websites are provided as a courtesy. They are not
intended to nor do they constitute an endorsement by NIF Group, Inc. of the
linked materials. By using this site, you agree at all times during your use of this site to abide by these terms of use and any additions or amendments to these terms.


Solicitation of Insurance:
Despite the efforts of NIF Group, Inc. to provide accurate information, it is not
possible to completely ensure that all information is constantly correct. The material
presented on this server could include technical inaccuracies or typographical errors.
As such, NIF Group, Inc. does not accept any responsibility or liability for any actions
taken as a result of using this information. Further, NIF Group, Inc. assumes no
responsibility for errors or emissions in the materials on this web site.

The information and descriptions contained in this site are intended as general
information and are not necessarily complete descriptions of all terms, exclusions and
conditions applicable to the products and services offered by NIF Group, Inc. or any
insurance company represented by the agency. The information contained throughout
this web page is not an insurance policy or contract of insurance. Coverage and issues
discussed are for the state(s) that NIF Group, Inc. is licensed in and may not be
applicable in other areas. The insurance coverage afforded by NIF Group, Inc. is
subject to the terms and conditions of the policies issued.

The information contained in this Web site is not the policy itself and is designed only to
briefly describe its contents. Each insurance company’s coverages may be different.
For complete details and important exclusions, please read the policy. It is also not to
be deemed the rendering of legal or insurance advice. If legal advice is sought, contact
an attorney. Please contact NIF Group, Inc. for insurance advice. No changes can be
made or coverage bound via this Web site, by e-mail, voice mail, or answering service.
To make any changes to your current policy or to bind coverage, please call us at

This site is provided for general information about all of the different types of insurance
that NIF Group, Inc. can offer through the companies that we represent. Coverage can NOT be bound for ANY type of insurance by electronic means through use of this site. Please contact us by e-mail if you have any questions about the terms under which this site is operated, or call us at 516-365-7440 with any questions.

Warning about E-Mail:
Information that is transmitted by e-mail over the Internet is not secure and can be
intercepted and read by other Internet users. DO NOT use e-mail to send NIF Group, Inc. private or confidential data about yourself or others. Additionally, NIF Group, Inc. will not use e-mail to transmit responses that contain private or confidential
data on an individual.

Copyright Notice:
The names, trademarks, service marks and logos of NIF Group, Inc. and any of the
insurance companies represented by the agency may not be used in any advertising or
publicity, or otherwise to indicate NIF Group, Inc.’s sponsorship of or affiliation with
any product or service, without NIF Group, Inc.’s prior express written permission.

No Warranty:
NIF Group, Inc. does not warrant the accuracy, adequacy or completeness of the
information and materials contained in this site and expressly disclaims liability for any
errors or omissions in the information and materials. No warranty of any kind, implied,
express or statutory, including but not limited to the warranties of non-infringement of
third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials contained in
this site.

Limited Liability:
In no event will NIF Group, Inc., its agents or employees, be liable for any damages,
losses or other expenses arising in connection with this site or use thereof or inability to
use by any party, or in connection with any failure of performance, error, omission,
interruption, defect, delay in operation or transmission, computer virus or line or system
failure, even if NIF Group, Inc., or its representatives, are advised of the possibility of
such damages, losses or other expenses.

Terms of Use:
NIF Group, Inc.reserves the right in its sole and absolute discretion, to change, modify, add, or remove portions of these terms at any time. In addition, when using this site or a service of this site, you will be subject to any posted guidelines, rules or policies for the service. Those guidelines, rules and policies, whether now existing or adopted in the future, are incorporated by reference into these terms of use.

NIF Group, Inc. and its subsidiaries maintain this internet site as a service to the internet community. The design of this site, with the domain address, and information contained within are the property of NIF Group, Inc. and protected by copyright, trademark and other intellectual property and proprietary rights.

This site may be viewed and its contents downloaded by you for your own personal non-commercial use or your companies’ use internally or for NIF Group, Inc. clients. You must keep intact all copyright and other proprietary notices. The site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published, re-published or distributed in whole or in part in any manner without the prior written consent of NIF Group, Inc.

Products are offered in all states unless otherwise indicated and our subject to the licensing requirements of each state. In addition, any request for information or quote does not constitute a commitment of the part of NIF Group, Inc. or it’s subsidiaries to offer a quote.

NIF Group holds surplus lines licenses in over 20 states. Please contact the company for a complete list.

The products and services descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available from NIF Group. The descriptions are not intended to be relied upon by agents, brokers, clients or by potential clients. Any descriptions of policy and contract provisions in this web site provide a broad overview of coverage’s only. All coverages are subject to conditions, coverage limits, limits of liability, limitations and exclusions as contained in the policy or contract. See the policy or contract itself for an exact description of the coverage provided and if you are interested in a particular product or service, please contact NIF Group.

We also disclaim all liability for any computer viruses or other disabling computer code that may be loaded into your computers when you download documents from this web site. NIF Group provides access to tools, including downloadable tools, but does not guarantee their suitability for any task, their accuracy, reliability or usefulness, or their functionality to work on the user’s computer. Users of this site are advised to obtain and use appropriate anti-virus and security software. The access provided to the tools does not include any proprietary rights in the tools. The rights to any such tools shall at all times be retained by NIF Group or its licensors. Although NIF Group will not knowingly infringe the rights of third parties, it makes no representation or warranty that the tools provided do not infringe the rights of others.

NIF Group, Inc. and its subsidiaries and branch offices value you as a customer and respect your insureds right to privacy. In turn, we pledge our commitment to treat information about them responsibly. NIF has established the following policy to assure you that we are committed to protecting this privacy.

We maintain physical, electronic and organizational safeguards to ensure the insureds’ personal information is treated responsibly and in accordance with our privacy policy. We also restrict access to this personal information within our organization to those employees who need to know that information. Employees who have access to this information may use it for legitimate business purposes. Additionally, we safeguard personal information in accordance with applicable data security regulations. We collect personal information from the following sources:

Information we receive from you, as producing agent on applications and other forms, including but not limited to consumer reporting agencies, medical providers, home inspection reports, consumer reporting agencies, motor vehicle reports, etc. are all subject to our privacy policy.

NIF does not intend to sell, make available to third party non-affiliates or otherwise utilize any of the reports, data, information received on the policy/policyholder except as permitted by law and necessary to market and support business transactions and the servicing of accounts. Even if your insured no longer maintains a policy through NIF Group, our Privacy Policy will continue to apply to them. We may amend this Privacy Policy at anytime and we will inform you of changes as required by law.