Terms & Conditions

These Website Terms and Conditions of Use govern your use of this website (the “Website”) and provides additional information about Frontline Insurance and its affiliates and subsidiaries, First Protective Property and Casualty and Fidelity Fire & Casualty Co. (collectively referred to herein as “Frontline Insurance”).

USE OF THIS WEBSITE SIGNIFIES THAT YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH IN THESE WEBSITE TERMS AND CONDITIONS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS, YOU MUST EXIT THIS WEBSITE.

Privacy Policy

Our Website Privacy Policy is incorporated into and made part of these Website Terms and Conditions of Use and describes our use and protection of nonpublic personal information. Reading the Website Privacy Policy will help you understand how we treat the personal information that we obtain from you or other sources in the course of providing you with products and services. 

United States use only

This website is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this website are appropriate or made available for use outside the United States of America.

Prohibited uses

You may not use this website to engage in any illegal activity. You may not use this website to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights. You agree that any information you provide through this website will be truthful and accurate. Frontline Insurance reserves the right to require a customer change their Customer ID or answers to security questions if they are deemed inappropriate at Frontline Insurance’s sole discretion and judgment. Frontline Insurance reserves the right (but expressly disclaims the obligation) to modify, reject or eliminate any information residing on or transmitted to the website that it, in its sole discretion, believes to be unacceptable, objectionable or in violation of these Website Terms and Conditions of Use and notices or in violation of the laws of the United States of America. Frontline Insurance reserves the right to terminate your access at any time without notice for any reason whatsoever.

Disclaimer of warranties

ANY INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS ON THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. FRONTLINE INSURANCE DOES NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FEE. ANY RISK ARISING OUT OF USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS REMAINS ENTIRELY WITH YOU. UNDER NO CIRCUMSTANCES WILL FRONTLINE INSURANCE BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS.

Secured areas/passwords

Some portions of this website are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Frontline Insurance will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Frontline Insurance. Frontline Insurance will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. 

Intellectual property rights

Copyrights. The materials in Frontline Insurance ’s website are protected under United States Copyright Laws. These materials are for individual or organizational use as authorized by Frontline Insurance, exclusively. You may not modify, copy, aggregate, distribute, publish, display, transmit, reproduce, license, transfer, create derivative works from or sell any information from Frontline Insurance’s website, without the prior written permission of Frontline Insurance. In some cases, some materials contained in Frontline Insurance’s website may be subject to copyrights held by third-parties and additional permissions may be required.

Copyright Infringement. Frontline Insurance respects the copyrights of others. Any copyright owner or authorized agent who believes that any materials, information or text displayed on this website infringes their copyrights, may submit a notification pursuant to the U.S. Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent, Lou Venditelli, with the following information in writing:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online website are covered by a single notification, a representative list of such works at that website;
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit Frontline Insurance to locate the material;
  4. Information reasonably sufficient to permit Frontline Insurance to contact the copyright owner or its agent, such as an address, telephone number, and, if available, an electronic mail address;
  5. A statement that the copyright owner has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that complainant is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please note that only DMCA notices should go to Frontline Insurance ’s Copyright Agent. Any other feedback, comments, requests for technical support, and other communications should be directed to Frontline Insurance’s Webmaster webmaster@fpic.net. You acknowledge that if you fail to comply with all of the requirements of this section, your DMCA notice may not be valid.

Trademarks

The Frontline Insurance logo, the terms “Frontline Insurance” as well as all logos and graphics using the Frontline Insurance name are the intellectual property of and/or trademarks/servicemarks owned by Frontline Insurance and its affiliated organizations. Frontline Insurance may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third-parties may apply where noted. Except where otherwise indicated, all materials on this website including but not limited to graphics, text, software, audio, video, and files, are the property of Frontline Insurance and are protected by copyright or other intellectual property laws.

Frontline Insurance reserves all rights to its intellectual property. You may print out a single copy of pages on this website for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. You are not authorized to use any portion of this website or any other Frontline Insurance intellectual property on any other website, in the meta-tags of any other website or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this website’s content or frame this website within any other website. 

Third-party websites

For your convenience, the Frontline Insurance Website may contain links to other third-party Internet websites that Frontline Insurance does not maintain. You should not interpret any link to or from third-party websites as indicating that Frontline Insurance sponsors or endorses the websites or their materials or that the websites are affiliated with Frontline Insurance in any manner. Frontline Insurance is not responsible for anything contained on such third-party websites and makes no warranties or representations about the contents, products or services offered on such websites. Frontline Insurance is not responsible for and makes no warranties or representations about the content, products or services offered on any websites that you may elect to access in connection with this website.

Availability of products and services

Frontline Insurance home offices are located in Lake Mary, Florida. Frontline Insurance does business in only certain states in the United States of America. Not all of the products or services described on this website are available in all states. You may not be eligible for all products and services and Frontline Insurance reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this website related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability. 

No modification to other Frontline Insurance agreements

These Website Terms and Conditions of Use apply to your use of this website and do not change or alter any other contract or agreement between you and Frontline Insurance.

Insurance quotes/coverages

At this time, on-line quotes may not be available for all states, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Frontline Insurance, please contact one of our agents.

All quotes generated by this website are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Frontline Insurance. All applications are subject to underwriting approval. Coverages and availability may vary by state; and additional minimum coverage limits may be available in your state. For additional information, please contact one of our agents.

Online claims submissions

If you are a Frontline Insurance customer, you may elect to file a claim online. Your submission does not commit Frontline Insurance to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. Frontline Insurance reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your agent. 

Applicable law

These Website Terms and Conditions of Use shall be governed by and interpreted according to the laws of the State of Florida without respect to any conflict of laws provisions. Irrevocable consent is hereby granted by you to the exclusive jurisdiction and venue, for any action or dispute arising out of these Website terms and Conditions, in the state and federal courts located in the State of Florida. 

Admissibility

A printed version of these Website Terms and Conditions of Use shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business records and documents originally generated and maintained in printed form. 

Severability

If any provision of these Website Terms and Conditions of Use shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any provision of these Website Terms and Conditions of Use is invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited.

Survival

The parties agree that termination of these Website Terms and Conditions of Use does not operate to relieve you of your obligations under these Website Terms and Conditions of Use.

Force majeure

Frontline Insurance shall not be liable for losses over which result from any occurrence over which it does not have control, including but not limited to: natural disasters, labor issues, equipment failure, telephone and related problems, unauthorized access or theft.

Other rights

Nothing contained in this Agreement shall be construed as conferring by implication, estoppel or otherwise upon either party any license or other right except the licenses and rights expressly stated hereunder to that party.

No waiver

No waiver of any term of these terms, conditions, and notices shall be deemed a further or continuing waiver of such term or any other term.

Changes

The content of this website and of these Website Terms and Conditions of Use are subject to change without prior notice. 

Additional information about Frontline Insurance

Frontline Insurance is a group of independent insurance companies serving homeowners throughout the Southeast United States. Through our affiliated companies, Fidelity Fire and Casualty and First Protective Insurance, we offer homeowners a financially stable, proven company with a record of superior claims service. Our experience, partnership and willingness to go the extra mile ease the burden that comes with experiencing a loss-and make your search for affordable, quality homeowners insurance simple and straightforward.

Frontline Insurance affiliated companies:

First Protective Insurance Co. NAIC 10897 commenced business on 04/30/1998.
Lake Mary, Florida.

Fidelity Fire & Casualty Co. NAIC 10186 commenced business on 05/26/2005.
 Lake Mary, Florida.

Electronic delivery of communication

By providing your consent, you agree that we may provide you with Communications in electronic format and that we may discontinue sending paper Communications to you unless and until you withdraw your consent as described below.

Your consent to receive electronic Communications applicable to all eligible Policies and will include the following types of Communications:

  • All required legal and regulatory disclosures and communications associated with your Policy.
  • Change-in-coverage notices related to your Policy or responses to your claims or inquiries.
  • Privacy Notices

You are deemed to have received any electronic messages at the time we send them to you and you should consider printing or downloading copies of the electronic Communications described above for future reference.

How to access electronic communication

All electronic Communications will be provided in one of the following ways:

  • Via e-mail; or
  • By access to a website that we will designate in an e-mail notice we send to you at the time the information is available; or
  • To the extent permissible by law, by access to a website that we will generally designate in advance for such purpose.

 

How to withdraw your consent

You may withdraw your consent to receive Communications in electronic format for any of your Policies at any time by changing your preferences of your online account on the My Account Page under “Change E-mail Notifications” or you may contact your agent. We will not impose any fees to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request. 

Contact information

Should you have any other questions about these Website Terms and Conditions of Use, please call us at (877) 744-5224. Thank you for choosing Frontline Insurance. We value our customers and appreciate the opportunity to serve you.