Legal Disclaimer

PLEASE READ THE FOLLOWING TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE. USE OF THIS SITE CONSTITUTES YOUR ACCEPTANCE OF THE TERMS OF USE SET FORTH BELOW.

Legal Disclaimer

CAV Insurance Agency, Inc. uses reasonable care to make sure that the information appearing on this Site is accurate and up-to-date. However, errors and omissions do occur and the user should not take the accuracy of the information for granted but should check directly with CAV Insurance Agency. None of the material contained in this Site is to be relied upon as a statement or representation of fact.

Terms of Use

This Website is maintained by CAV Insurance Agency. By using www.cavinsurance.com (the “Website”), you acknowledge that you have reviewed, and agree to be bound by, the following terms of use. If you do not agree to these terms of use, do not use this Site. We suggest that you periodically review this page to review the most recent terms of use.

The content contained in this Website is for the education of site visitors only and is not an offer to sell, or solicitation to purchase, any insurance product or service. All insurance terms of any product or service are governed by specific underwritten insurance policies.

The information presented on this Website is intended to describe aspects of the business of CAV Insurance Agency and its operating subsidiaries generally and is not intended to be a complete description. Potential insureds should not rely on specific information on this Site. Complete information regarding the terms and details of our coverage may be obtained by contacting us. The information presented on this Site should not be construed as legal, tax, business, financial or accounting advice.

The information and materials included herein are provided “as is” without any representation or warranty, express or implied, of any kind, whether with respect to accuracy, completeness or otherwise. CAV Insurance Agency disclaim any liability to any person for any kind of loss or damage including, but not limited to, any special, incidental, direct, indirect or consequential damages caused by errors or omissions in the information, documents or other items provided or available herein. CAV Insurance Agency may make changes to the Site, the materials, products, programs, services or prices described in this Site at any time without notice. You are bound by such revisions if you continue to use the Website after we have posted the changes. Notwithstanding the foregoing, CAV Insurance Agency disclaims any obligation to update any information on this Website.

The description of each policy herein is a summary only, and does not include all terms, conditions, and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Not all insurance coverages or products are available in all states and policy terms may vary based upon individual state requirements. Issuance of coverage is subject to underwriting and coverage depends upon the actual facts of each case and the terms, conditions, and exclusions of each individual policy. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Anyone interested in any product described in this Website should request a copy of the policy itself for a description of the scope and limitations of coverage.

Licenses and Regulatory Information

CAV Insurance Agency comprises insurance and reinsurance companies that are licensed or otherwise approved to transact business in various countries and various states of the United States. Unless otherwise indicated, non-U.S. CAV Insurance Agency companies are not licensed or otherwise authorized to conduct business in the United States and do not engage in or transact any business in the United States through this Website or otherwise.

All products and services referred to herein are subject to underwriting agreements. Certain products and services described on this Website are not available to all potential insureds due to insurance regulatory restrictions, the availability of which varies by global jurisdiction.

Intellectual Property Information

“CAV Insurance Agency” and the CAV Insurance Agency logo are registered service marks of CAV Insurance Agency. All intellectual property rights including copyright, database rights and first publication rights, patents, registered trademarks, and service marks and know-how in this Website, and in the content published on this Website, are either owned by CAV Insurance Agency or made available to us under license by third parties. Any product or service described in this Website may be the subject of intellectual property rights owned by CAV Insurance Agency or any of its affiliated or subsidiary companies. This Website and all content published on this Website, unless otherwise indicated, are protected by relevant copyright laws and international copyright treaties and all title, ownership and intellectual property rights remain the property of CAV Insurance Agency. All trademarks and devices displayed on this Website, unless otherwise indicated, are owned by CAV Insurance Agency and may be registered in jurisdictions across the world. Except as provided for below, any use or reproduction of these trademarks or devices is prohibited.

Subject to any prohibitions stated in third party websites accessible via hyperlinks in the Website over which we have no control whatsoever, you may view the content published on this Website and . you are permitted to (1) print one copy only of each page of this Site solely to facilitate your making contact with members of CAV Insurance Agency and (2) authorized insurance brokers may use the Website’s Content for their internal business purposes. Any copying or other unauthorized use of the Site’s Content other than as expressly permitted by CAV Insurance Agency is a violation of these Terms of Use and will infringe the rights of CAV Insurance Agency and its licensors under United States law. You will also be entitled to download certain files from this Website made available for this purpose, which you may then use for your internal business purposes. All other copying is strictly prohibited. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property rights of CAV Insurance Agency or any third party, except as expressly granted herein.

Hyperlinks

Within this Website, you may see links or references to other websites. CAV Insurance Agency cannot guarantee that the hyperlinks set out on our 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 CAV Insurance Agency has no control. We cannot and do not monitor the websites linked to our pages on the internet. Accordingly, CAV Insurance Agency assumes no responsibility for the content of any website referenced to by any hyperlink or otherwise. CAV Insurance Agency believes that its making available hyperlinks to publicly accessible webpages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the internet. CAV Insurance Agency does not endorse, and is not responsible for, the content (including software downloads), performance, accessibility, and privacy practices of any web sites linked to this Website. CAV Insurance Agency encourages you to read the copyright, privacy, and other legal statements of these linked web sites as their policies may differ from ours. You are solely responsible for any interactions you may have with such websites.

Limitation of Liability

To the fullest extent permitted under applicable law, in no event will CAV Insurance Agency be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use or inability to use this Site (or the content or services provided on, or accessible from, this Site), or otherwise, even if CAV Insurance Agency has been advised on the possibility of such damages. CAV Insurance Agency will not be liable for the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, or suitability of the content or services provided on, or accessible from, this Website.

Monitoring

CAV Insurance Agency reserves the right to monitor all activity on this Website and to notify the proper law enforcement officials if any suspicious activity is detected.

Governing Law and Forum

These terms of use shall be governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law. If any provision of these terms of use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. Any controversy or dispute will be submitted, and you hereby irrevocably consent, to the personal jurisdiction of the federal courts of the Southern District of New York.

CAV Insurance Agency

State of Domicile – Massachusetts

Principal Office – 31 Washington St, Wellesley, MA 02481, United States

HOW WE ARE PAID FOR OUR SERVICES

Our insurance agency is committed to dealing fairly with complete integrity and transparency with consumers, other insurance producers and others with whom we work in providing insurance products and services. To that end, we provide this disclosure regarding our sources of compensation from insurance companies or other parties.

Our agency may receive compensation in the form of commissions paid by an insurance company, calculated as a percentage of premiums, pursuant to an arrangement with the insurance company. These commissions are for the service we perform in placing and servicing insurance policies on the insurance company’s behalf.

Our agency may also be eligible to receive other forms of compensation such as incentive or contingency payments or bonuses and/or supplemental commissions from insurance companies. These may be based on our aggregate historical or current performance with respect to a line of business or customer segment and not specifically related to any particular policy or policyholder.

Other insurance producers who perform service in placing and servicing insurance through our agency may receive compensation from our agency in the form of service fees as determined by our agency’s arrangement with such producer.

Our agency may hold premium or return premium funds temporarily, in which case our agency may receive interest or investment income on such funds.