REPORT A CLAIM REPORT PREMIUM LOG IN CONTACT US FAQ HOME ABOUT US COVERAGE SERVICES TOOLS TERMS OF USE Acceptance of Terms By using this website, you acknowledge your agreement to the following terms and conditions, without limitation or qualification. Please read these terms carefully. These Terms of Use may be changed, modified, supplemented, or updated at any time, with or without advance notice. You agree to be bound by any such modifications. It is your responsibility to visit the link at the bottom of the Midwest Builders’ Casualty web page periodically to review the most current terms and conditions. If you do not agree with these Terms of Use, you should immediately stop using this website. This website is owned and maintained by Midwest Builders’ Casualty Mutual Company and its affiliated companies (hereinafter collectively referred to as “we”, “us”, “our” or “Midwest Builders’ Casualty Group”). The following terms and conditions apply to all users of this website, though we may choose to add to or supersede certain provisions herein with other provisions located in other parts of this website. You further acknowledge that the current Terms of Use and Online Privacy Policy, in addition to any other policies posted on this website constitute the entire agreement between you and Midwest Builders’ Casualty Group in connection with your use of this website, and the content and software herein. You represent and warrant that any information you provide via the website or electronic mail is true and accurate to the best of your knowledge. You acknowledge that the information you may enter or provide is material to any decision by underwriting as it relates to your policy or a policy for which you are the broker of record, and that any decision impacting a policy would be made in reliance upon the sufficiency and accuracy of the information provided. Disclaimer To the fullest extent permissible pursuant to applicable law, the materials and software on this website are provided on an “as is” or “as available” basis and without warranties of any kind, either express or implied. Midwest Builders’ Casualty Group disclaims all warranties, express or implied, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose. Midwest Builders’ Casualty Group does not warrant that the website’s functions will be uninterrupted, non-infringing, or error-free, that any such defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. All information on this website is for general informational purposes only, and is not offered as legal, accounting or other professional advice. The descriptions of Midwest Builders’ Casualty Group’s products and services on this website, including any sample forms or wordings, are not necessarily intended to be complete descriptions of all applicable terms, exclusions, and conditions and are provided solely for general informational purposes. Any statement regarding insurance coverage herein is subject in all respects to the specific terms and conditions of the actual applicable policy or product or service agreement. Complete policy terms are available upon request. While Midwest Builders’ Casualty Group uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes do occur. Midwest Builders’ Casualty Group does not warrant or make any representations regarding the use or the results of the use, of any of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. Tools on this website are available only as a convenience to users and are not intended to generate advice or recommendations upon which a user may rely. Midwest Builders’ Casualty Group does not warrant or make any representations regarding the correctness, accuracy, or reliability of the results generated by any such tools. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state. Limitation of Liability To the fullest extent permissible pursuant to applicable law, you understand and agree that under no circumstances, including, but not limited to, negligence, shall Midwest Builders’ Casualty Group be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Midwest Builders’ Casualty Group or an authorized representative of Midwest Builders’ Casualty Group has been advised of the possibility of such damages. Midwest Builders’ Casualty Group also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing of this website or your downloading of any materials, data, text, images, video, or audio from this website. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you. You agree to indemnify, defend, and hold harmless Midwest Builders’ Casualty Group against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from your use of this website or any violation of these Terms of Use. If you cause a technical disruption to the website or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from that disruption. Midwest Builders’ Casualty Group reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with Midwest Builders’ Casualty Group in the defense of such matter. Third Party Content This website may contain hyperlinks to other websites which are not owned or maintained by Midwest Builders’ Casualty Group. Midwest Builders’ Casualty Group is not responsible for the content or privacy practices of such websites. These hyperlinks are provided solely for your convenience, and do not imply Midwest Builders’ Casualty Group approval or endorsement of such sites or the content therein. We do not control such websites, and assume no responsibility for their content or accuracy, even though Midwest Builders’ Casualty Group name or logo may appear on certain pages of such third-party sites. We accept no liability for any information, products, advertisements, content, services, or software accessible through such third-party websites or for any action you may take as a result of linking to any such website. We recommend that you carefully read the privacy policies and user agreements of these sites, which will solely govern your use thereof. Ownership of Information With the exception of personal data (which shall be maintained in accordance with our Online Privacy Policy) any information you transmit to Midwest Builders’ Casualty Group via this website, by electronic mail, direct entry, submission, or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Midwest Builders’ Casualty Group. Such information may be used for any purpose, including, but not limited to, reproduction, solicitation, disclosure, transmission, publication, broadcast, and posting. Midwest Builders’ Casualty Group shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Midwest Builders’ Casualty Group via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Midwest Builders’ Casualty Group may modify or discontinue any of the materials, content, or software, or any portion thereof, that appears on this website at its discretion, with or without notice. Midwest Builders’ Casualty Group will not be liable to you or any third party for the effects of any such modification or discontinuance. Consent to Communicate Electronically By utilizing or providing your contact details through the Midwest Builders’ Casualty Group website, you are consenting to receive communications from us electronically. You acknowledge that electronic communications may not be encrypted and there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties. We may communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Users who do not wish to be contacted electronically may revoke this consent by notifying ContactUs@mwbc.com and request removal from electronic communications. Restrictions on Use of Materials This website is owned and operated by Midwest Builders’ Casualty Group. Except where otherwise indicated, all materials and software contained in this website, as well as their collection, arrangement, and assembly, are the property of Midwest Builders’ Casualty Group. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or otherwise commercially exploited in any way, except with the express written consent of Midwest Builders’ Casualty Group. You may download material displayed on this website for your personal use only, provided that you do so without alteration, for non-commercial purposes only, and that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Midwest Builders’ Casualty Group prior written permission. We neither warrant nor represent that your use of materials displayed on this website will not infringe rights of third parties. You are prohibited from: (i) using this website for any unlawful, unauthorized, fraudulent, or malicious purpose; (ii) using this site in a method that could damage, disable, overburden, or impair any server, or any network connected to a server; (iii) interfering with another person’s use and enjoyment of this website; (iv) using data mining, robots, or similar data gathering and extraction tools with respect to any portion of the website; (v) gaining unauthorized access to accounts, computer systems, or networks connected to any server or systems; or (vi) accessing materials, systems, data, or information not intended by Midwest Builders’ Casualty Group’s IT Specialists to be accessible to you or through any means not intentionally made available by Midwest Builders’ Casualty Group’s IT Specialists. Additionally, in using this website, you agree you will not: (i) upload or transmit any material that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity; (ii) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Company representative, or falsely state or otherwise misrepresent your affiliation with a person or entity; (iii) upload or transmit any material that you do not have a right to reproduce, display, or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements); (iv) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or the property of another; (v) upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise; (vi) violate any applicable local, state, national, or international law or regulation; (vii) upload or transmit material that infringes any patent, trademark, service mark, trade secret, copyright, or other proprietary right of any party; or (viii) harvest or otherwise collect information about others, including e-mail addresses. Midwest Builders’ Casualty Group reserves the right to take any lawful action it deems appropriate in response to any actual or suspected violations of these terms, including but not limited to the suspension or termination of the user’s access to the website and/or account. Midwest Builders’ Casualty Group may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as expressly limited by the Online Privacy Policy, we reserve the right to disclose any information that we deem necessary to satisfy any applicable law, regulation, legal process, or governmental request, or as otherwise permitted by law. We also reserve the right to edit, remove, or refuse to post any materials or information, in whole or in part, at our sole discretion. Trademarks All trademarks, service marks, trade names, logos, and icons are proprietary to Midwest Builders’ Casualty Group. This proprietary information includes the website’s domain name, logos, page headers, graphics, and button icons. Use of the trademarks, service marks, trade dress, or other logos displayed on this website, without prior written authorization of Midwest Builders’ Casualty Group or as otherwise provided herein, is strictly prohibited. Proprietary Software Any software accessible through this website is the property of Midwest Builders’ Casualty Group or its outside suppliers, and is protected by U.S. intellectual property laws and/or international treaties. Use of this software other than to utilize and navigate this website for its intended functions is prohibited, and you agree not to access this website’s content by any means other than the interface Midwest Builders’ Casualty Group’s IT Specialists have provided. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, or reverse engineer or otherwise attempt to discover the source code of this software. Midwest Builders’ Casualty Group’s IT Specialists do not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction where such activity is prohibited by export laws and regulations. Accordingly, you shall not copy, transfer, or export this software in violation of any applicable export laws and regulations. Passwords and Security Midwest Builders’ Casualty Group’s IT Specialists request that you do not send it any information that you consider to be confidential or proprietary through this website or by email. You acknowledge that there is a risk that information provided through the website may be accessed by unauthorized third parties because such information is not encrypted except where explicitly indicated otherwise. Please note that if you do send us any such information or material, we will assume it is not confidential. By sending us information or material, you grant Midwest Builders’ Casualty Group’s IT Specialists an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit, and distribute this material or information, and you also agree that Midwest Builders’ Casualty Group’s IT Specialists are free to use any ideas, concepts, know-how, or techniques that you send us for any purpose. Updates Midwest Builders’ Casualty Group reserves the right to change these Terms of Use in order to address future developments of Midwest Builders’ Casualty Group, the website, or changes in industry or legal trends. REPORT A CLAIM REPORT PREMIUM LOG IN CONTACT US FAQ Home About Us Coverage Services Tools © 2017 Midwest Builders' Casualty Group All Rights Reserved. | Privacy Policy | Terms of Use