This publication is available exclusively to Munich Re clients. Please contact your Client Manager.
Last updated: February 13, 2019
an agreement between you (on behalf of yourself and, if applicable,
the entity that you represent) and The Hartford Steam Boiler
Inspection and Insurance Company (and/or its subsidiaries and
affiliated entities, referred to herein as
“HSB”). The Terms
govern your access to and use of the website located at
www.hsb.com, and any related mobile applications, websites, digital
portals, and media platforms owned and/or controlled by HSB
(individually and collectively, the
read the Terms carefully before using the Site(s). By using the
Site(s), you agree to be bound by the Terms without limitation or
qualification. If you do not agree with any of the Terms, or if
your use of the Site(s) violates any applicable law or regulation,
you are prohibited from using the Site(s). If, at any time, you
choose not to accept these Terms, please discontinue using and
accessing the Site(s) immediately.
HSB may, at any time, with or without advance notice, revise,
add, remove or otherwise modify these Terms (or portions thereof)
by updating this posting or otherwise notifying you of such
changes. The most recent version of the Terms will be posted to the
Site(s), and you agree to be bound by such changes by continuing to
use the Site(s) thereafter. You should periodically visit this page
to review the then-current Terms.
Depending on the nature of your relationship with us and/or the
Site(s) that you use, supplemental or different terms may apply
Terms”). You are advised to review the
Additional Terms made available on the Site(s) that you use, as
well as any Additional Terms provided by us to you in connection
therewith. By using such Site(s), you agree to be bound by the
Additional Terms. In the event of a conflict between these Terms
and the Additional Terms, the Additional Terms will control.
THE SITE(S), INCLUDING ANY AND ALL MATERIAL, DATA, SERVICES,
PRODUCTS, QUOTES, AND OTHER INFORMATION PROVIDED IN CONNECTION WITH
THE SITE(S) (HEREINAFTER,
PROVIDED "AS IS”,
“AS AVAILABLE”, AND
WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE
FULLEST EXTENT PERMISSIBLE BY LAW, HSB DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
ACCURACY AND COMPLETENESS OF INFORMATION, AND NON-INFRINGEMENT WITH
RESPECT TO THE SITE(S) AND CONTENT. HSB DOES NOT WARRANT THAT THE
SITE(S) WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE
CORRECTED, OR THAT THE SITE(S) OR SERVERS ARE FREE OF VIRUSES,
WORMS, TROJAN HORSES OR OTHER DESTRUCTIVE OR HARMFUL CODE OR
COMPONENTS. WHILE HSB USES REASONABLE EFFORTS TO INCLUDE ACCURATE
AND UP-TO-DATE INFORMATION ON THE SITE(S), ERRORS OR OMISSIONS
SOMETIMES OCCUR. HSB DOES NOT MAKE, AND EXPRESSLY DISCLAIMS, ANY
AND ALL WARRANTIES, REPRESENTATIONS AND GUARANTEES REGARDING THE
ACCURACY, COMPLETENESS, CORRECTNESS, USABILITY, AND RELIABILITY OF
THE SITE(S) AND CONTENT. THE INFORMATION AND DESCRIPTIONS CONTAINED
HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS,
EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES,
BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. TO
OBTAIN COVERAGE, YOU MUST SUBMIT AN APPLICATION TO US. ALL
APPLICATIONS ARE SUBJECT TO UNDERWRITING APPROVAL.
Limitation of liability
IN NO EVENT SHALL HSB, OR ANY PARTY INVOLVED IN CREATING,
PRODUCING, DELIVERING, MAINTAINING, OR CONTROLLING THE SITE(S), BE
LIABLE TO YOU FOR ANY DAMAGES OF ANY KIND WHATSOEVER INCLUDING, BUT
NOT LIMITED TO, DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT,
SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING, BUT
NOT LIMITED TO, LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OR
DESTRUCTION OF DATA, OR BUSINESS INTERRUPTION, WHETHER ARISING FROM
NEGLIGENCE, BREACH OF CONTRACT, STRICT LIABILITY, OR ANY OTHER
LEGAL THEORY, EVEN IF HSB OR AN HSB AUTHORIZED REPRESENTATIVE HAD
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING
THE FOREGOING, HSB WILL NOT BE LIABLE TO YOU FOR DAMAGES OF ANY
KIND WHATSOEVER RESULTING FROM YOUR USE OF OR INABILITY TO USE THE
SITE(S) OR CONTENT. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR
EXCLUSION OF LIABILITY OF INCIDENTAL OR CONSEQUENTIAL DAMAGES; IF
SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE MAY NOT APPLY TO
YOU. IN NO EVENT SHALL HSB’S TOTAL
LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION
EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE
HSB ALSO ASSUMES NO RESPONSIBILITY, AND IN NO EVENT SHALL BE
LIABLE TO YOU FOR ANY DAMAGES OF ANY KIND WHATSOEVER THAT MAY ARISE
FROM VIRUSES. WORMS, TORJAN HORSES, OR OTHER DESTRUCTIVE OR HARMFUL
CODE THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER
PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE(S) OR YOUR
DOWNLOADING OF ANY CONTENT.
Access and account security
To access certain content and/or features, you may be required
to open an account and provide certain registration information. If
you elect to do so, you agree that the registration information
provided will be correct, accurate, and complete. To complete the
registration process, you must choose an account password and user
name. You are solely responsible for maintaining the
confidentiality of your password and account information and for
any and all activities that occur under your account. You agree
that you will not provide your account information, user name or
password to any other person. You agree to notify HSB immediately
of any unauthorized access to or use of your account or user name,
or of any other breach of security of which you become aware. HSB
will not be liable for any loss that you incur as a result of
someone else using your password or account, either with or without
Restrictions on use; ownership
The Site(s) and Content are owned, and will at all times be
owned, by HSB, its suppliers, licensors or other providers of such
material and are protected by United States and international
copyright, trademark, patent, trade secret and other intellectual
property laws. You do not acquire, by virtue of your use of the
Site(s) and/or Content, any rights, title, or interest in or to the
Site(s) and Content, including any intellectual property rights
therein. All rights not expressly granted are reserved by HSB.
Except as otherwise expressly permitted by HSB, the Site(s) and
Content may not be copied, reproduced, republished, uploaded,
posted, transmitted, or distributed in any way, in whole or in
part. You may not distribute, modify, transmit, reuse, repost,
republish, resell or use the Content, in whole or in part, for
public or commercial use, without HSB’s
written permission. Where designated, HSB may permit you to
download certain Content for your use only, provided that you also
retain all copyright and other proprietary notices contained
HSB neither warrants nor represents that your use of materials
displayed on the Site(s) will not infringe rights of third parties
not owned by or affiliated with HSB.
In connection with your use of the Site(s), you agree to comply
with all applicable laws, rules and regulations. You further agree
not to, nor permit any third party to, do any of the following:
Trademarks and copyrights
All trademarks, services marks, trade names, logos and icons are proprietary to HSB. Nothing contained on the Site(s) should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of HSB or such third party that may own the trademarks displayed. Your use of the trademarks displayed on the Site(s), or any other content on the Site(s), except as expressly provided herein, is strictly prohibited.
Images displayed on the Site(s) are either the property of, or
used with the permission of, HSB. The use of these images by you,
or anyone else authorized by you, is prohibited unless specifically
permitted herein. Any unauthorized use of the images may violate
copyright laws, trademark laws, the laws of privacy and publicity,
and communications regulations and statutes.
Representations and warranties
You hereby represent and warrant that if you are using the
Site(s) on behalf of an entity, you are duly authorized to bind
such entity to the Terms. You further represent and warrant that
any and all information provided by you (whether uploaded to the
Site(s) or otherwise):
HSB has no responsibility to review information uploaded by you
(or by any other person), or to exercise any editorial control or
monitoring of such information. Notwithstanding, we may review such
information and, in our sole and absolute discretion, remove or
refuse to display such information from the Site(s) for any
You agree to indemnify, defend, and hold harmless HSB and its
officers, directors, employees, agents, contractors, service
providers and representatives from and against any and all
liabilities, expenses, losses, damages, and costs (including
reasonable attorneys’ fees) arising out of
or claimed to have arisen out of your: (i) use of the Site(s)
and/or Content; (ii) breach or alleged breach of the Terms; or
(iii) negligent, wrongful, and/or unlawful acts or omissions.
Jurisdictional issues - products and
Unless otherwise expressly set forth herein, HSB makes no
representation that materials on the Site(s) are appropriate or
available for use in any location. The Site(s) are directed to and
intended for use only in jurisdictions where the Content does not
violate local law. Please read the Content carefully and, if
needed, request further information regarding its applicability.
Those who choose to access the Site(s) do so on their own
initiative and are responsible for compliance with all applicable
laws, rules and regulations. Except as expressly set forth herein,
the information contained on the Site(s) is not an offer to sell or
a solicitation to buy any security, insurance product or other
product or service. No security, insurance product or other product
or service is offered or will be sold in any jurisdiction in which
such offer or solicitation, purchase or sale would be unlawful
under the securities, insurance or other laws of such jurisdiction.
Some products and services may not be available in all
Statutory information concerning insurance company
Certain states require disclosure of specific information concerning an insurance company’s state of domicile, principal place of business, National Association of Insurance Commissioners ("NAIC") code number, and where an insurance company is authorized to transact business.
The Hartford Steam Boiler Inspection and Insurance Company ("HSBIIC") is domiciled in the State of Connecticut, and maintains its principal place of business at One State Street, Hartford, Connecticut 06102-5024. HSBIIC is authorized to transact business in every state in the United States. The NAIC Code number for HSBIIC is 11452.
The Hartford Steam Boiler Inspection and Insurance Company of Connecticut (“HSBCT”), a subsidiary of HSBIIC, is domiciled in the State of Connecticut, and maintains its principal place of business at One State Street, Hartford, Connecticut 06102-5024. HSBCT is authorized to transact business in every state in the United States. The NAIC Code number for HSBCT is 29890.
The HSB Specialty Insurance Company (“HSBSIC”), a subsidiary of HSBIIC, is domiciled in the State of Connecticut, and maintains its principal place of business at One State Street, Hartford, Connecticut 06102-5024. HSBSIC is authorized to transact business in every state in the United States. The NAIC Code number for HSBSIC is 14438.
Links to Third-Party Website
The Site(s) may contain links to other websites that are not owned, operated or controlled by HSB (“Third-Party Websites”). HSB is not responsible for the function, accuracy or content of Third-Party Websites. The inclusion of a hyperlink to Third Party Websites is for your convenience only and does not imply approval of or endorsement by HSB of Third-Party Websites or of any material, data, services, products, quotes, or other information included therein (“Third-Party Content”). You are solely responsible for any damage or loss arising from your use of or access to any Third-Party Websites or Third-Party Content, and agree that HSB shall have no liability whatsoever in connection therewith. Third-Party Websites may have their own terms and conditions and privacy policies.
These Terms shall remain in full force and effect while you use the Site(s). HSB may terminate, suspend, or limit your use of the Site(s) (or any portion thereof) at any time, without prior notice, for any reason, including, but not limited to, HSB’s belief that you violated the Terms; in response to requests or as required by law enforcement or government agencies; discontinuance or modification of the Site(s) or Content; technical or security issues; your inactivity; and/or your engagement in conduct inconsistent with the intent of the Site(s) or Terms. Upon termination, your right to use the Site(s) will immediately cease. You may terminate your use of the Site(s) at any time by simply discontinuing use. All provisions of the Terms which, by their nature, should survive termination, shall survive termination, including, but not limited to, disclaimers, limitations of liability, and intellectual property ownership provisions.
Changes to the Site(s) or Content
The Site(s) and Content may be modified, replaced, removed, suspended, and/or discontinued by HSB in its sole discretion, for any reason or no reason, with or without notice to you. HSB shall not be liable to you for any such changes.
The Terms will be governed by and construed in accordance with the laws of the State of Connecticut, excluding its conflict of law principles. The courts of the State of Connecticut and the federal courts located in Connecticut shall have exclusive jurisdiction over and shall be the exclusive venue for resolving disputes relating to the Site(s) or these Terms.
Notification of infringement
Notifications regarding any alleged intellectual property infringement should be directed to HSB at the address below or by e-mail to firstname.lastname@example.org.
The Hartford Steam Boiler Inspection and Insurance Company
Attn: Legal Department
One State Street
P.O. Box 5024
Hartford, CT 06102-5024
Date: February 13, 2019
© 2019 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. This is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.
This publication is available exclusively to Munich Re clients. Please contact your Client Manager.