These Terms of Use are provided by National Liability and Fire Company, its subsidiaries, and affiliates (collectively "NLF").
The material provided on the nationalliabilityfire.com website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from nationalliabilityfire.com. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.
Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.
It is very important that you read the next two sections carefully.
LIMITATION OF LIABILITY
NLF WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.
HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.
DISCLAIMER
THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT NLF DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.
We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the NLF site or have moved elsewhere.
By providing material on our website NLF does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. NLF is entitled to terminate all or part of any of its Websites at any time, without notice to you.
When you select a password and sign-up in order to access NLF’s online policyholder services, you agree to the following conditions:
RULES OF CONDUCT
You must not post, transmit or otherwise make available any materials through or in connection with the NLF website or online services that may be illegal or objectionable to NLF; or use the NLF website or online services in any manner that may be illegal or objectionable to NLF.
PRIVACY
All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy.
JURISDICTION
Unless otherwise specified, the materials in our site are presented to provide information about NLF, our insurance products, and the insurance business. NLF operates and controls its sites from the Company’s headquarters in Stamford, Connecticut, in the United States of America, and Connecticut law shall govern and control any action concerning the NLF sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an online request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.
By using the nationalliabilityfire.com website, you agree to these Terms and Conditions of Website Use.
MISCELLANEOUS
These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the state of Connecticut, without giving effect to Connecticut’s conflict of laws principles.
If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.
NLF may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.
This Website Policy is provided by National Liability and Fire Company, its subsidiaries, and affiliates (collectively "NLF").
NLF recognizes the privacy concerns of visitors to this website. The purpose of this website privacy policy is to inform website visitors about the information we collect through the website and the purposes for which this information might be used. All nonpublic personal information collected by NLF, including any such information collected through this website, is subject to NLF’s Privacy Policy above.
NLF Secures Your Data
At NLF the privacy and security of customer data is as important to us as it is to you. Physical safeguards, procedural controls and data access controls protect your data from unauthorized access. We continually monitor our systems to prevent unauthorized attempts at intrusion.
Our Security
NLF uses strong encryption (Transport Layer Security or TLS) for transmitting private information via the Internet. TLS uses a private key to encrypt data that is transferred over the TLS connection. This protocol is a standard used by many websites when you submit confidential information, such as credit card numbers and other personal data. TLS creates a secure connection between your browser and our server. Addresses of web pages using a TLS connection start with https: instead of http: and most browsers also display an icon of a closed padlock when you visit a page using TLS.
In addition, the Policyholder Service Center portion of our website is only available to policyholders. It provides a private and secure environment to access policy and account information. To access features of our website such as policy and billing information, you will need to use a security-enabled web or mobile browser, with support for modern versions of TLS. You will also need an email address and a PDF reader such as Adobe Reader®.
nationalliabilityfire.com supports most popular, modern browsers and NLF strongly recommends keeping your browser up-to-date.
Supported browsers include the following:
| Google Chrome | latest public release and one prior release |
| Apple Safari | |
| Mozilla Firefox | |
| Microsoft Edge | |
| Other | JavaScript, Cookies: enabled |
Many other browsers may also work with our site including browsers that are wholly compatible with these browsers and some older versions of these browsers. However, NLF does not design nor test for browsers other than those listed above. On mobile devices, nationalliabilityfire.com supports Chrome and Safari on iOS and Chrome and Firefox on Android.
We utilize strong digital certificates so that you can feel safe conducting business with NLF.
Your Security
Other things you can do to enhance your security whenever you are online include the following:
Report A Security Vulnerability
If you think you have found a security vulnerability with nationalliabilityfire.com or other NLF systems, please report them at privacy@nlf-info.com.
To provide our users with the best experience, nationalliabilityfire.com uses cookies.
Cookies are small text files sent from a website the user is browsing and stored in the user’s web browser. Some cookies are present only for the session (“session cookies”). Other cookies persist for a pre-determined time (“persistent cookies”). In some cases, the browser sends the cookie back to the server every time the user loads that website.
Cookies help us with certain functionality and personalize your experience. Cookies also help us determine which parts of the site people visit, measure the effectiveness of advertising, and assist us in improving the site based on the users’ behavior.
Managing and Disabling Cookies
Most browsers allow you to manage your cookie preferences with common options such as the following:
Some browsers also have extensions or add-on tools for managing cookies and cookie permissions.
For more information about managing or disabling cookies, check your browser or mobile device settings or preferences and look for options such as privacy, tracking or cookies, or visit http://www.allaboutcookies.org.
Note: Disabling all cookies may result in problems using some parts of our website.
Types of Cookies
Our cookies fall into one of the following categories:
Strictly Necessary Cookies
Without these cookies, you may not be able to use features or perform certain functions on the website. These cookies are also essential for accessing secure areas of the website. The EU cookie directive exempts cookies that are technically necessary.
Performance Cookies
These cookies provide information about how visitors use our website. Statistical information or “analytics” may include counts of visits to pages, the amount of time spent on a page, the rate at which users leave the site from a page, the speed at which the page loads, etc. The information collected is not personally identifiable; it is aggregated, anonymous data. This data is used to improve how the site works. Some of these cookies are third-party cookies used for specialized analytics software or services.
Functionality Cookies
These cookies support site functionality that is visible or helpful to the user and may include certain choices users make. These enhanced or personal features help deliver a customized experience. Persistent personalized data is encrypted for users’ protection. These cookies cannot be used to track your browsing activity on other websites.
Targeting/Advertising Cookies
These cookies are used to display advertising content relevant to a user’s interests. They may also help measure the effectiveness of an advertising campaign. These types of cookies are set by digital advertising networks with whom we partner, and may be used by them when you visit other websites. Therefore, you may encounter our advertising on other sites after visiting nationalliabilityfire.com. These cookies are usually third-party, persistent cookies.
Policyholders being serviced by biBERK or National Indemnity Company should visit these websites for additional resources or policy information.
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