Terms of Use

Use of Website

This website provides information about financial products and services available from or through VGM Insurance or its subsidiaries and affiliates (“we” or “us”), as well as information about your policies and claims.

We may make changes to the products or services shown on this site at any time. Not all products and services we offer may be available in each of the locations where we do business, and products may not be available in every location on the same terms. Our products and services are offered only in jurisdictions where they may be lawfully offered.

Links to Third Party Sites or Products

This website may provide links to websites controlled by third parties who are not VGM Insurance affiliates or subsidiaries. If we create such a link, we will let you know when you are leaving our website. We disclaim liability for any information, materials, products or services offered at any of the third-party sites linked to this website. The availability of a link to another party’s website is provided as a convenience, but it does not constitute an endorsement or sponsorship of any third party or their products, and does not create an affiliation or partnership between VGM Insurance and any third party. We do not have any control over any third-party website or its content. You should also be aware that third parties have different privacy policies than VGM Insurance, and those third parties may treat your personal information differently than we do, and may have different information security practices.

No Warranty

We try to ensure that the information on this site is accurate and up-to-date. However, we do not warrant information appearing on this site or services provided through this site for completeness, timeliness or accuracy, and we do not warrant that your access to or use of the website will be uninterrupted or error-free. The website, including all content contained within it, is provided “as is,” with all faults, without warranty of any kind, either express or implied. We disclaim any implied warranty, including but not limited to any warranty of merchantability, fitness for a particular purpose, or non-infringement. You assume all risk and responsibility for your use of the website and any linked sites.

Limitation of Liability

VGM Insurance will not be liable for any damages if this website is unavailable for any reason, or if your computer or any program you use is infected by a virus or other malicious program. In no event will VGM Insurance be liable for any direct, indirect, incidental, consequential, special, exemplary or punitive damages, or any damages for loss of use, lost data or lost profits arising out of or relating to the use of this website or the copying, display or use of information accessed through this site, whether or not VGM Insurance was advised of or aware of the possibility of such damages. This disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory. Your sole remedy for dissatisfaction with the website and/or linked sites is to stop using them.

Unauthorized Use

Unauthorized use of our website and computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted to this site, is strictly prohibited. Any attempted unlawful use may subject you to liability for damages or criminal prosecution.

Privacy Policy, Information Security and Online Fraud

Please review our Privacy Policy and information about the types of information we gather when people use our website, and suggestions for protecting the security of your personal information online. Please contact us immediately if you believe that you have been a victim of fraud or identity theft involving an account with us.

Other Service Agreements

If you are a VGM Insurance customer and access your account information or conduct transactions through this site, the terms and conditions of the particular service supplement these website Terms of Use. If these website Terms of Use conflict with the agreement or disclosures governing the particular service you receive from us, the terms, conditions and disclosures governing that particular service will control.

Online Payment Convenience Fee

Online payments are subject to convenience fees. Payments made using the online payment service are made through a third-party provider, Input 1 Payment Services, with which VGM Insurance has no affiliation. Any and all convenience fees made through the online payment portal are charged and paid directly to Input 1 Payments. VGM Insurance also offers no-fee payment options such as mailing a physical check if desired.

Online Payment Refund Policy

Policies canceled for non-payment of premium or business closure will be canceled using a prorated calculation. Policies that are canceled due to insured request or the sale of the business will be canceled on a short-rate basis. Return premiums will be refunded per state requirements. All online payments are subject to the following criteria:

• Payment will be accepted ONLY for the exact amount on your VGM Insurance or VGM Specialty Underwriters invoice. Payment will not be accepted for any other carriers.
• Full invoice amount must be paid. Partial payments are not accepted.
• Payment is not accepted as a request to bind. To bind, we must have completed and signed bind request documents in our office.

Access to Website

Your access to the website, in whole or in part, may be revoked by us at any time, with or without cause. You agree to defend, indemnify and hold us harmless from and against all third-party claims, damages and expenses (including reasonable attorney’s fees) against or incurred by us arising out of your use or access of the website, or access by anyone accessing the website using your user ID and password.

Governing Law; Disputes

These website Terms of Use will be governed by and interpreted under the internal laws of the State of Iowa and any applicable federal laws. If any part of these Terms of Use is unenforceable, that part will be considered severable and will not affect the validity of any remaining provisions. In the event of any dispute relating to the website, your use of the website, or these Terms of Use, you agree to resolution of such dispute in the state or federal courts located in the State of Iowa, waive any right to a jury trial, and agree to waive any defense of inconvenient forum.

Updates

We reserve the right to revise these Terms of Use at any time in our sole discretion. Revisions will be effective as of the time the revised agreement is posted online. We are not required to notify you of changes to these Terms of Use before they become effective. You are responsible to visit this page periodically to review current Terms of Use and to become aware of any changes.

You may not copy the material on this site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, including but not limited to use as meta tags on other pages or sites on the World Wide Web without our prior written consent. Copies made incidentally in the ordinary course of your use of this website (such as in cache memory) and a reasonable number of printed copies for your own personal or internal business use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to and all intellectual property rights in the material on this site remain in VGM Insurance and its licensees.

The trademarks, logos and service marks displayed on the website are the property of VGM Insurance and other parties and may not be copied or used without advance written permission.

Last Revised: February 1, 2022