This document describes the terms of use under which Midvale Indemnity Company and its affiliates (“Midvale” or “we”) provides information to you on this website and that govern your use of this website. By using this website, you are agreeing to be bound by these Terms of Use.
Privacy Policy
For information about Midvale’s Privacy Policy, please visit the Privacy Notice section on this website.
Your use of this website
You may use the content on this website only to apply for and manage a commercial insurance policy related to your business that has been underwritten by Midvale. You may not use macros, programs, scripts, robots, or any other automated tools to access this website except for the sole purpose of indexing the website’s content for inclusion on publicly-available search engines.
You may not use this website to engage in any illegal activity. You may not use this website to engage in conduct which is defamatory, libelous, threatening, or harassing, or that infringes on a third party's intellectual property or other proprietary rights. In the event you engage in activity that we believe is illegal, we reserve the right to disclose any information you provide through the use of this website, or other websites or applications owned by Midvale, to law enforcement authorities at our sole discretion.
All information that you submit to Midvale via this website shall be deemed and remain the property of Midvale. We shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques contained in information provided to us through this website. We shall not be subject to any obligations regarding such information except as expressly indicated by us with respect to personal information, as described in the Privacy Policy located in the Privacy Notice section of this website.
We reserve the right to require that customers change their User IDs, passwords, and answers to security questions if we deem them inappropriate.
This website contains “cookies” to optimize the efficiency of the website for the user. A cookie is a small text file that contains information and is stored on a user’s computer when he or she visits a website. This website uses both persistent and temporary cookies to enable the website to remember and display for your reference information you have entered into the site and to analyze the traffic on this website. If you do not accept the use of cookies, you can change the settings in your web browser. This will prevent us from temporarily storing information you have entered should you choose to leave the website and return before completing the entire transaction. However, certain functionality on the website may require the use of cookies, and your access to those functions may be limited if cookies are disabled in your web browser.
Email to Midvale and its affiliates email addresses
The Midvale and Midvale affiliates Email systems are private Email systems intended only for purposes authorized by Midvale and its affiliates. You are not authorized to send numerous unsolicited commercial Email messages to any Email addresses at Midvale or its affiliates. We reserve the right to take action to prevent misuse of Midvale and affiliate Email systems by unauthorized parties.
Disclaimer of Warranties & Liability
Any information, services, materials, software, calculators, or other items on this website are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Other than as required by applicable consumer protection law or insurance law, if any, in no event will we be liable for errors or omissions in this information, services, materials, software, calculators, or other items on this website or for any losses or damages, direct, indirect, incidental, special, or consequential resulting from your use or misuse of, or reliance on them. We do not warrant the content, quality, condition, accuracy, or completeness of this information, or that this website will be uninterrupted or error fee. We do not warrant non-infringement or freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness, or usefulness of any information, advice, or other content available on this website. Any risk arising out of use or performance of the information, services, materials, software, calculators, or other items remains entirely with you.
Secured areas/passwords
Some portions of this website are restricted and require authorization for access. You are prohibited from gaining or attempting to gain unauthorized use of or access to these areas, and such use or attempted unauthorized use may result in criminal and/or civil prosecution. We may view, monitor and record attempts to access such areas without authorization, and we may share that information with law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.
You are responsible for maintaining the security of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Neither Midvale nor anyone authorized to act for Midvale will ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Midvale immediately. We will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. We encourage you to change your password every six (6) months.
Midvale’s and affiliates Intellectual Property Rights
All of the information on this website, including all text, graphics, software applications, video and audio files, and photos (“Content”), and all rights in the pages and screens displaying the pages are owned by Midvale, its affiliates, or its licensors, and are protected by copyright with all rights reserved under United States and foreign laws. You may refer to, cite or print and use the Content for your private, non-commercial use as long as your copies retain all copyright trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of, or use any aspect of the website or its Content for commercial or public purposes, or on any other website, or in a networked computer environment, or engage in any other redistribution or republication of the Content.
Logos and the terms displayed on this website are the property of Midvale or its affiliates. Intellectual property rights of third parties may also apply where noted. Except where otherwise indicated, all materials on this website including but not limited to graphics, text, software, audio, video, and files are the property of Midvale and are protected by copyright or other intellectual property laws.
Links to or from third party websites
For your convenience, we may provide or allow links to or from other Internet websites that Midvale does not maintain. You should not interpret any link to or from other websites as indicating our sponsorship or endorsement of the websites or their materials, or that the websites are affiliated with Midvale in any manner. We are not responsible for anything contained on such websites and make no warranties or representations about the contents, products, or services offered on such websites. Your access to and use of third party websites are at your own risk. We make no warranties or representations about the content, products, or services offered on any third party websites that you may elect to use in connection with this website. We may disable a link at any time and will remove any link from this website at the third party owner’s request.
Availability of products and services
Midvale does business in certain states in the United States of America. Not all of the products or services described on this website are available in all states. Your eligibility for particular products and services is subject to final determination of underwriting qualifications. You may not be eligible for all products and services, and we reserve the right to determine such eligibility as required and permitted by law.
Please note that certain products or services may be subject to specific terms, conditions, representations, or agreements. The portions of this website related to such products and services provide additional information about terms, conditions representations, agreements, eligibility, and availability.
This website does not amend, modify, or supplement any insurance policy. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any insurance policy. Whether coverage exists or does not exist for any particular claim or loss depends on the facts and circumstances involved and all applicable insurance policy language. Consult the actual policy for details regarding terms, conditions, coverages, and exclusions that may apply to you.
Insurance quotes/coverages
At this time, on-line quotes may not be available for all states, products, services, or coverage selections. For additional information about products, services, or coverage selections otherwise offered by Midvale, please contact our Customer Care team 877-515-2196.
Changes to this document
We may terminate, change, suspend, or discontinue any aspect of the website at any time. Changes to the Terms of Use take effect when posted on the website.
Severability
If any portion of these Terms of Use is unlawful, void, or unenforceable, it shall not affect the validity or enforceability of any other provision.
Contact information
Midvale is an insurance company domiciled in Chicago Illinois, with its principle place of business in Madison, Wisconsin (National Association of Insurance Commissioners No. 27138). Midvale’s business is administered by an affiliate, Homesite Group Incorporated (HGI), a Delaware Corporation. HGI’s principle place of business is Boston, Massachusetts. Both entities are subsidiaries of its parent company American Family Mutual Insurance Company (National Association of Insurance Commissioners No. 19275), which is domiciled in and its’ principle place of business is Madison, Wisconsin.
