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Privacy Policy

Businessinsurance.com, and any website under the following domain http://content.businessinsurance.com, along with company’s subsidiary Business Insurance Custom Publishing Division, is a news and information service from Business Insurance Holdings, 4100 Hospital Drive, Suite 209, Plantation, FL 33317.

We have developed this Privacy Policy to advise subscribers and users of our products about our possible uses of information collected by us and to inform you on how to modify your marketing preferences. This Privacy Policy is subject to change. When we make any material change to this Privacy Policy, we will inform you by posting a notice on the home page of this site and by changing the date on this page noting when the Privacy Policy was last updated.

This site uses Google Analytics.

When you subscribe, register, make purchases or at other times, we collect and store personally identifiable information from you that may include your name, postal and e-mail addresses, credit card information, facts about your profession, company and responsibilities and information regarding your computer system. We may from time to time obtain data from third parties such as business partners or other companies and append it to existing user data to add more detail to the information we have about you.

For each visitor to this website, our web server may automatically attempt to identify the user through a cookie set within your browser. This is done to provide access to the site. From time to time we may also track information, in aggregate, on pages and features that users access or view. The activity is collected and stored in our server's log files. We may log Internet Protocol (IP) addresses, or the location of your computer on the Internet, for systems administration and troubleshooting purposes. We use this information in an aggregate fashion to track access to the website.

We may also set cookies to your computer to allow subscribers and users to store login information, set personalization and navigate easily through the site. Additionally, through the use of an additional cookies or technology, we will have the ability to track users by their behavior profile and geographic location for the purpose of pushing advertising that matches their interests and/or specific location. We may conduct online surveys and contests or generate content that is presented by aggregating activity of users on the site. These surveys and contests are entirely voluntary and you may decline to participate.

We may use third-party advertising service vendors to serve advertisements on this website. These vendors may use cookies, web beacons or similar technologies to serve you advertisements tailored to interests you have shown by browsing on this and other sites you have visited. In doing so, these vendors may collect non-personal data such as your browser type, your operating system, Web pages visited, time of visits, content viewed, ads viewed, and other clickstream data. The use of cookies, web beacons or similar technologies by these advertising service vendors is subject to their own privacy policies, not ours, and we disclaim all liability in connection therewith. If you do not want the benefits of these advertising cookies, web beacons or similar technologies, you may be able to opt out by visiting www.networkadvertising.org/optout_nonppii.asp.

Information collected about subscribers and users may be used by us and our affiliates and partnering third-party companies to provide subscribers and users with the features of the site(s), to enable us to provide the products you requested, to personalize content and advertising, to send you e-mail notifications about our services and products, for audits, to perform statistical analysis of user behavior in order to measure interest in the various areas of our site(s) (such as for product development purposes), to enforce our user agreement and to inform advertisers as to how many users have seen or "clicked" their advertising banners. We will disclose site(s) usage information to third parties only in aggregate.

We may disclose personal information if we are required to do so by law or we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of the website; or (4) protect the personal safety or property of our users or the public (among other things, this means that if you provide false information or attempt to pose as someone else, information about you may be disclosed as part of any investigation into your actions). In the event that the Business Insurance site and its legally owned domains are acquired by or merged with another company, we may transfer information about you to the successor entity.

From time to time, we may make individual subscriber or user information available to carefully selected third parties to send you information through e-mail or postal mail about their products or services. If you prefer not to have your personal information disclosed to third-parties for direct marketing purposes, please send an e-mail stating this preference and including your full name and e-mail address to info@BusinessInsurance.com or, if you are a print subscriber, please call 312-300-4127. A user may change/correct his/her preferences or personal information at any time online or by contacting us at the above e-mail address or phone number. We retain the right to contact a subscriber or registered user regarding account status, orders for products or services, changes to the registration agreement or to enforce our subscription agreement.

We will remove any registrant (and their personal information) from our database pursuant to a request from the registrant, including full name and e-mail address, to info@BusinessInsurance.com. You may not be able to fully access this website if you request removal of your personal information.

This Businessnsurance.com and http://content.businessinsurance.com are operated in the United States. If you are located in the European Union or elsewhere outside of the United States, please be aware that any information you provided to us will be transferred to the United States. By using our website(s), participating in any of our services and/or providing us with your information, you consent to this transfer.

Read Terms of Use

Business Insurance Holdings Interactive Terms and Conditions of Use Agreement

All content, information and services, and all information, data, images, specifications, reviews, news, videos, and other content hosted by Businessinsurance.com and http://content.businessinsurance.com is an information and news service (collectively referred to as the "Service") from Business Insurance Holdings and may be used only under the following terms and conditions.

By accessing these websites, you are agreeing to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in these website(s) are protected by applicable copyright and trademark law.

Business Insurance Holdings may change the terms in this Agreement at any time. When the terms are changed, Business Insurance Holdings will notify you by posting a notice on the Service, and the changes will appear in this document. By using the Service after any change in the Agreement is posted, you agree to be bound by all of the changes as well.

Copyright and Limitation of Use

The information available through the Service is the property of Business Insurance Holdings and others and is protected by copyright and other intellectual property laws. Information received through the Service may be displayed, reformatted and printed for your personal, noncommercial use only, provided you abide by this Agreement.

Without the prior written consent of Business Insurance Holding, you agree not to:

  • Store, post, create a database from or otherwise archive the articles, data, information, images, works or other materials from the Service (the "Content") on a personal computer, local or wide area networks, online services, electronic bulletin boards or forums, Internet sites or any other server that is Internet-enabled;
  • Reproduce, retransmit, distribute, sell, publicly display, publish, post to newsgroups or electronic bulletin boards, or broadcast the Content received through the Service to anyone, including to others in the same company or organization;
  • Use any Content in competition with the Service (whether or not such use would constitute a fair use under 17 U.S.C. § 107 or is substantially similar to the Content), including without limitation by using such Content as a principal source of a work distributed or displayed in connection with a commercial print- or web-based information source;
  • Create abstracts from, scrape or display headlines from the Service for use on another web site or service; or
  • Frame, or use other means of redirecting, the Service Content.

You may, on an occasional basis, include insubstantial portions of information from the Service in memoranda, reports and presentations, but only if such memoranda, reports and presentations are distributed in paper form, for a noncommercial purpose, to a limited number of individuals. You must include in all such memoranda, reports and presentations the phrase "Reprinted with permission from Business Insurance Holdings, Copyright [year of article]".

Additionally, you agree to pay and authorize Business Insurance Holdings to assess you licensing fees at Business Insurance's standard reprint pricing for your use of the Content in violation of the Copyright and Limitations of Use restrictions above.

Disclaimer of Warranties and Liability

Due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such information and the Service. The Service may include facts, views, opinions, and recommendations of individuals and organizations deemed of interest. Business Insurance Holdings does not guarantee the accuracy, completeness, or timeliness of, or otherwise endorse these views, opinions or recommendations.

All materials, information, software, products and services included in or available through the service are provided "as is". Business insurance Holdings and its agents and licensors do not warrant the accuracy, completeness, correctness, non-infringement, merchantability or fitness for a particular purpose of the news and information available through the service. Neither business insurance, nor any of its agents or licensors shall be liable to you or anyone else for any loss or injury caused in whole or part by its negligence or contingencies beyond its control in procuring, compiling, interpreting, reporting or delivering the service and any news and information through the service.

In no event, will Business Insurance Holdings, its agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on such information or for any consequential, special or similar damages, even if advised of the possibility of such damages. You agree that the liability of Business Insurance Holdings, its agents and licensors, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the service or the information in the service shall not exceed the amount, if any, that you paid to Business Insurance Holdings for use of the service.

User-Provided Content and License

By posting or submitting comments, reviews, ideas, or other content on the Service, you represent and warrant that you own or otherwise have sufficient rights to the content that you provide, that the content is accurate, that it does not violate this Agreement or any applicable law, and that it will not violate the rights of any person or entity. You further grant us a non-exclusive, perpetual, irrevocable license and right to use any of your user-provided content for any purpose. This grant of rights and license applies to use of your name, photo, likeness, voice, and other personal information, if included in the user-provided content and allows Business Insurance Holdings to display, distribute, reproduce, modify, translate, edit, and create derivative works from the user-provided content throughout the world for any purpose and in any media (including for advertising, marketing or other commercial purposes).

Business Insurance Holdings reserves the right to delete or edit any of your comments or content at any time, for any reason, but has no obligation to review or remove any such comments or content. We further reserve the right to disclose any information about you, including registration data, in order to comply with any applicable laws and/or requests under legal process, to operate our systems properly, to protect our property or rights, and to safeguard the interests of others.

You agree to not post material that contains:

  • vulgar, profane, abusive or hateful language, inflammatory attacks of a personal, racial or religious nature, or expressions of bigotry, racism, discrimination or hate;
  • is defamatory, threatening, false, misleading, fraudulent, unfair, contains gross exaggeration or unsubstantiated claims, or violates the privacy rights of any third party;
  • violates any municipal, state or federal law, rule, regulation or ordinance, or attempts to encourage such an evasion or violation;
  • unfairly interferes with the uninterrupted use and enjoyment of BusinessInsurance.com;
  • advertises or offers to trade any goods or services, except in areas specifically designated for such purpose;
  • uploads copyrighted or other proprietary material of any kind without the express permission of the owner of that material; or
  • uploads or transmits viruses or other harmful, disruptive or destructive files.

Business Insurance's Directories and Rankings are a copyrighted product of Business Insurance Holdings. All rights reserved. Reproduction or use of the lists and database contents in any manner other than as allowed under this license agreement is strictly prohibited.

The information in Business Insurance's Directories and Rankings are licensed to you under the following terms and conditions and not sold. The copyrighted lists and database contents may not be copied, shared, resold, redistributed, sublicensed or publicly displayed on a web site without the permission of Business Insurance Holdings. This restriction applies to lists of selected data that the licensee may create from using the database contents.

There are no refunds on purchased Excel and PDF Data Products.

MISCELLANEOUS

Through your use of the Service, you may be provided with hyperlinks to other Internet sites or resources, including hyperlinks provided by third-party advertisers and sponsors to the Service. Business Insurance Holdings has no control over those sites and resources, or over the advertising material presented by third-party advertisers and sponsors through the Service. You agree that Business Insurance Holdings will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such information, goods or services available on or through any such site or resource.

Business Insurance Holdings may discontinue or change the Service, or its availability to you, at any time without notice. This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid under applicable law, the remaining provisions will continue in full force and effect. The Privacy Policy and this Agreement are, together, the complete and entire agreement between you and Business Insurance Holdings and supersedes any prior agreement, whether oral or written.

This Agreement, all intellectual property issues, and your rights and obligations shall be governed by the laws of the United States of America and the State of Florida governing contracts wholly entered into and wholly performed within Florida and any action to enforce this Agreement or in any manner related to the Service shall be brought exclusively in the federal or state courts located in Plantation, FL, and you agree to submit to the jurisdiction of such courts.

You agree to be responsible for any damages resulting from your breach of this Agreement and reimburse us for all of costs, expenses and fees (including all attorney's fees) arising from or relating to your breach.

If you believe that your work has been copied and is accessible through the Service in a way that constitutes copyright infringement, or that the Service contains a link or other reference to another online location that contains materials or activity that infringes on your copyright rights, you may notify Business Insurance Holdings by providing the information required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. § 512 to the following address:

Attn: Legal Counsel

Business Insurance

4100 S. Hospital Drive, Suite 209

Plantation, FL 33317

Your use of our website indicates to us that you have read and accepted our Privacy Policy and our Terms and Conditions