Legal Disclaimers

Terms of Use:

By accessing the ICI website you agree to the terms of use. If you do not agree with these terms, please do not access other parts of this website.

You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivations of or otherwise disseminate all or any portion of the website without the express prior written permission of ICI and any applicable third party.

Registered Trademarks

This website includes both registered and unregistered trademarks, service marks and logos. They are subject to the laws of the United States and other countries worldwide and are the property of their respective owners. You may not copy, modify, store, transmit, reproduce or distribute any part of the information or content of these trademarks, service marks or logos.

Disclaimers:

This website is in no way construed as an offer for the sales of insurance products in unauthorized states or countries.

Needs Calculators

Calculators or needs analyzers included on this website are for illustration purposes only and should not be the sole source for financial or insurance planning decisions.

Online Quoting

In providing quotes, ICI assumes the accuracy and completeness of the information you provide and ICI provides only an estimate of the premium you might pay for insurance and that the actual price of any policy that is issued may be higher or lower than the price quoted. This variation may be due to additional information that was not available at time of quote or other factors in the insurance market. ICI does not guarantee that you will be offered an insurance policy at the conclusion of your quoting process.

Online Change Request or Claims

In providing an avenue for you to submit to us information regarding changes to an existing policy or details of a loss we do not guarantee binding. Binding should only be assumed once you have heard from one of our agents directly confirming the changes and binding authority with your insurance carrier company. It is your responsibility to re-contact us on your request if you do not hear from us within a reasonable amount of time regarding your request.

Disclaimer Regarding Third Party Content

The ICI website offers access to numerous third party web pages and content available over the Internet. In a variety of areas ICI has no control whatsoever over the content of such sites. Such third parties are solely responsible for the information or content they make available and ICI does not review or endorse content that appears on the ICI website through them. Accordingly ICI assumes no responsibility or liability for the content of or accuracy of any site included in its links or feeds.

ICI does not review or monitor any websites linked to the site and are not responsible for the content of any such linked websites. Your linking to such websites is at your own risk.

Disclaimer of Warranty, Indemnity and Release

ICI expressly disclaims all warranties, whether express or implied, including any implied warranty of merchantability or fitness for a particular purpose, and does not warrant content accuracy or that it will be error-free or that it will meet your specific needs. By using ICI website you agree to indemnify ICI and its affiliates, officers, and employees and hold them harmless from any and all claims and expenses, including attorney’s fees, arising from your use of the ICI website and the information presented. ICI shall not be liable to you or anyone else for any loss or injury or any direct or indirect, incidental, consequential, special, punitive or similar damages arising out of your access or use of or your inability to access or use, the service and the sites and the information available on the site or arising out of any action taken in response to or as a result of any information available on the site.