Terms & Service
Thank you for visiting www.frontlineinsurance.com (the “Website”), which is owned and operated by Frontline Insurance Managers Inc., together with its affiliates and subsidiaries, First Protective Insurance Company, Frontline Unlimited Insurance Managers, Inc., and Frontline Unlimited Insurance Company (collectively referred to herein as “Frontline”). Frontline provides property and casualty insurance services, including issuance of insurance policies, to customers.
About the Website
- Users to (a) obtain information about the insurance policies provided by Frontline (b) to submit certain information (e., users’ state of residence, type of insurance policy, coverages and deductibles, and details about a users’ property) to obtain quotes for homeowners insurance, condominium insurance, and/or wind-only insurance in particular states, as well as other types of insurance coverage, as applicable, and (c) to submit an address to search for and find an insurance agent;
- Insurance agencies and agents to submit certain documentation and enter certain information (e., agent’s or agency representative’s name, e-mail address, and phone number, agency’s name, address, additional locations, year of establishment, and agency size) in order to apply to become agents or agencies authorized by Frontline to solicit and sell certain Policies to third-parties (“Producers”) (such third parties to whom such insurance policies will be solicited or sold are referred to herein as “Customers”);
- Individuals and entities insured under a Policy (each an “Insured Party” or collectively “Insured Parties”) to access the Insured Portal in order to (a) report a claim by submitting certain information (e., name, mailing address, phone number, and other claim-related information) (b) link a Policy to an account by submitting certain information (i.e., name, zip code, and policy number, and the agent number for such policy) (c) to review and manage Policies, review and print Policy-related and billing-related documents, and to view coverage, payment history, discounts applied, and agent information (d) view and edit the contact information and billing information associated with each Policy (e) to sign up for paperless document delivery and (f) submit payments in connection with Policies by entering their billing information;
- Individuals and entities, and their Authorized Employees (as defined herein), that provide particular claim-related services to Insured Parties (“Vendor” or “Vendors”), to review and manage service requests and related documentation and information, to upload invoices, and to receive and send messages through the Vendor Portal;
- Producers and Authorized Employees, through the Agent Portal, to (a) enter certain information (e., Producer code, relevant state, type of policy, policy writer, insured type, Customers’ contact information, and other information specific to the type of insurance requested), and to submit quote requests and Policy applications (b) search for quotes and policies (c) make changes to or cancel existing Policies; (d) review, track, and manage quote requests, quotes, Policy applications, binders, issued Policies, and Policy renewal deadlines; (e) review company messages, (f) submit payments related to Policies, and (g) review assignments, and information related to assignment status and due dates.
You Must Be At Least 18 Years of Age
Products or Services Offered
The products and services described on the Website are continuously being updated and changed, and it is possible that some of the products and/or services displayed on the Website may not be available at a particular time. Additionally, not all products described on the Website may be available in all states, and some products offered in a particular state may vary from the product description included on the Website. Frontline is not responsible to you, or to any other party, if a product or service displayed on the Website is not available for purchase at any particular time, or if a product or service varies from a description provided on the Website.
The insurance products and services, including the Policies, described on the Website are only intended for persons and entities in the states and jurisdictions of the United States where these insurance products and services may legally be sold. Nothing on the Website shall be considered an offer to sell any insurance product or service to any person or entity in any jurisdiction where such offer, purchase, or sale would be unlawful.
Insurance Quotes, Coverages, and Online Claim Submissions
Quotes provided on the Website, including through the Agent Portal, may not be available for all states, products, services, or coverage selections. These quotes are price estimates based on the information submitted, are subject to change, and are not a contract, binder, or an 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. Further, the submission of a completed Policy application to us does not automatically result in a binding coverage agreement. Instead, an underwriter will review the application, determine whether to approve the application, and will notify you, the Producer, or Authorized Employee if the application has been approved. If the application is approved, Producers or Authorized Employees can request that Frontline bind coverage. No insurance coverage can be bound, and no changes can be made to a Policy, new or existing, unless and until a written binder has been received from Frontline. Coverages and availability may vary by state, and additional minimum coverage limits may be available in your state.
Submitting a claim online does not commit Frontline to provide coverage for this loss. Information you submit regarding your Policy and the loss is subject to review and verification. Frontline reserves the right to request additional information prior to reaching a decision on the claim.
Some portions of the Website, such as the Insured Portal, Agent Portal, and Vendor Portal are restricted and require users to create an account (“Account”) and obtain a user name and password to gain access. Unauthorized use of or access to these password restricted 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 by us during such monitoring may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system or the Website. 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 or you should discontinue use of the Website.
If you create an Account on the Website, you must treat your user name, password, and any other information related to your Account (“Account Information”) as confidential, and you must not disclose it to any other person or entity. You acknowledge that your Account is personal to you and, except as provided herein, you agree not to provide any other person with access to your Account, your Account Information, or to any other security information. Frontline will not be responsible, financially or otherwise, if you do not properly secure your password or if you choose to share your password with anyone else.
A Producer or a Vendor may only disclose Account Information and/or grant access to such Producer’s or Vendor’s Account on the Agent Portal or Vendor Portal to individuals employed by such Producer or Vendor: (i) that are authorized by law, and by each Customer whose Personally Identifiable Information is contained on such Account, to receive access to all information provided on the relevant Account; (ii) that have agreed, in writing, to refrain from disclosing Account Information or any information obtained through the Account to any unauthorized person and to refrain from providing any unauthorized person with access to the Account; and (iii) whose access is necessary in order for Producer or Vendor to perform their responsibilities. With respect to Producer’s employees, such individuals must also be authorized by law to submit requests for Policy quotes, submit Policy applications and issue Policies, if applicable. The employees of a Producer or a Vendor that satisfy the requirements described in this paragraph are referred to herein as “Authorized Employees.”
You are responsible for all activity performed and transactions entered into on or through your Account, and you agree that Frontline may treat any activity performed or transaction entered into on or through your Account as authorized by you.
You agree to notify us immediately of any unauthorized access to your Account, unauthorized use of your user name or password, or any other breach of security. In addition, Producers and Authorized Employees agree to notify us immediately if Producer or any of its employees, including Authorized Employees, suspect that any Policy-related information has been inappropriately altered or is deceptively false, or suspect that an unauthorized person has obtained Producer’s Account Information, accessed Producer’s Account, and/or has used the Website to transact business as a Producer or an Authorized Employee.
You also agree to ensure that you exit from your Account at the end of each session. Producers and Authorized Employees should refrain from accessing the Agent Portal from public or shared computers, and should only access the Agent Portal from a personal computer located at the Producer’s office. When accessing other parts of the Website using public or shared computers, you should use particular caution when logging into and using your Account, and when submitting Personally Identifiable Information through the Website, so that others are not able to view or record your password, Account Information, or other information on your Account or otherwise.
We also reserve the right to log in or otherwise to access any Account on the Website, including the Insured Portal, Agent Portal, and Vendor Portal, with the identity of any user, including any Insured Party, Producer, and Vendor, for the purpose of preventing or addressing service or technical problems, or otherwise in connection with customer support matters, and may do so from time to time.
You represent that all of the information, data, and other materials that you provide on the Website or to Frontline through any other means, are true, accurate, and complete. You are responsible for updating and correcting the information, including Personally Identifiable Information, you have provided on the Website or to Frontline through any other means, as appropriate.
You must not use the Website: (a) to violate any local, state, national, or international law or regulation, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, as well as other applicable data security and privacy laws and regulations; or (b) to interfere with or disrupt the servers or networks connected to the Website, or disobey any requirements, procedures, policies, or regulations of networks connected to the Website.
Unless otherwise indicated, the Website and its design, text, content, selection and arrangement of elements, organization, graphics, compilation, magnetic translation, digital conversion, and other matters related to the Website, its presentation, functionality, and “look and feel” are protected under applicable copyright, trademark and other proprietary laws, including but not limited to those of the United States, and all rights therein are the property of Frontline, or the material is included with the permission of the rights owner.
TRADEMARKS. Certain of the names, logos, and other materials displayed on the Website constitute trademarks, tradenames, service marks, or logos (“Marks”) of Frontline or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with Frontline or those other entities.
Linking to the Website and Links from the Website
You may link to the homepage of the Website, provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express, prior written consent.
For your convenience, the Website includes links to other sites and resources provided by third parties. We have no control over the content of those sites and accept no responsibility, financial or otherwise, for them or for any loss or damage that may arise from your use of such sites. If you decide to access any third-party websites linked to the Website, you do so entirely at your own risk and subject to the terms and conditions of use of such websites.
Limitation of Liability and Disclaimer of Warranties
WE TAKE COMMERCIALLY REASONABLE MEASURES TO ENSURE THAT THE INFORMATION PRESENTED ON AND THROUGH THE WEBSITE IS ACCURATE AND COMPLETE. HOWEVER, THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. ANY INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS, CONTENT, OR OTHER MATERIALS OR FUNCTIONALITY ON OR PROVIDED THROUGH THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO GUARANTEES, REPRESENTATIONS, OR REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH RESPECT TO: (I) THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE INFORMATION PRESENTED ON THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, INFORMATION RELATED TO THE POLICIES, POLICY APPLICATIONS, BINDERS, AND QUOTES PROVIDED ON THE WEBSITE, PRICE OR COST INFORMATION, OR OTHER CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE WEBSITE OR THROUGH SITES LINKED TO THE WEBSITE; (II) THE QUALITY AND SECURITY OF THE WEBSITE OR WHETHER IT WILL BE USEFUL OR SUITABLE FOR YOUR INTENDED OR PARTICULAR PURPOSE; (III) THE ABILITY TO ACCESS THE WEBSITE OR ITS CONTENT, OR YOUR ABILITY TO PURCHASE A PRODUCT OR SERVICE DISPLAYED ON THE WEBSITE; (IV) WHETHER THE WEBSITE WILL BE FREE OF VIRUSES, UNAUTHORIZED CODE, OR OTHER HARMFUL COMPONENTS; AND (V) THE SECURITY OF YOUR DATA OR OTHER INFORMATION, INCLUDING PERSONALLY IDENTIFIABLE INFORMATION, PROVIDED BY YOU TO THE WEBSITE.
YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE WEBSITE. WHEN USING THE WEBSITE, INFORMATION WILL BE TRANSMITTED OVER A MEDIUM THAT IS BEYOND THE CONTROL OF FRONTLINE. ACCORDINGLY, FRONTLINE ASSUMES NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION, LOSS, OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE WEBSITE, AND YOU (AND NOT FRONTLINE) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR, REPLACEMENT, OR CORRECTION. We do not assume any liability related to your use of any third-party website linked to the Website or otherwise.
IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON ANY CONTENT AND/OR IN CONNECTION WITH THE PRODUCTS OR SERVICES MADE AVAILABLE TO YOU ON OR THROUGH THE WEBSITE. ANY RELIANCE YOU PLACE ON INFORMATION PROVIDED OR SERVICES RENDERED ON OR THROUGH THE WEBSITE IS AT YOUR OWN RISK. WE DISCLAIM ALL LIABILITY AND RESPONSIBILITY, FINANCIAL OR OTHERWISE, ARISING FROM ANY RELIANCE PLACED ON SUCH INFORMATION AND/OR ON OUR SERVICES BY YOU OR ANY OTHER VISITOR TO THE WEBSITE, OR BY ANYONE WHO MAY BE INFORMED OF THE CONTENTS OF THE WEBSITE.
Limitation of Damages and Remedies
SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL DAMAGES, OR LIMITATIONS UPON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL FRONTLINE BE LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR USE OR MISUSE OF THE WEBSITE OR THE CONTENT OR ANY OF THE PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE.
Frontline is based in the United States of America and makes no claims that the Website is appropriate for, or may be accessed, downloaded, or used by, persons residing outside of the United States of America. Frontline makes no representation that the Website is appropriate or may legally be used in the nation, state, province, or other jurisdiction in which you reside, do business, or are incorporated or organized, and access to the Website is prohibited from jurisdictions where the Website, or its content, is illegal.
Those who choose to access the Website do so on their own initiative and are responsible for compliance with applicable laws and regulations, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, as well as other applicable data security and privacy laws and regulations. Access to the Website may not be legal by certain persons in certain countries. If you access the Website from outside the United States of America, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Jurisdiction and Choice of Law
You agree that with respect to any suit, action, or proceeding arising out of or in connection with any dispute with Frontline, including without limitation any claim involving Frontline or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants, and agents: (i) you will submit to the jurisdiction of the courts of Florida; (ii) venue for all disputes will be the Federal and State courts for Seminole County, Florida; and (iii) you (a) irrevocably waive any objection that you may have at any time to the laying of venue of any suit, action, or proceeding arising out of or relating hereto brought in any such court; (b) irrevocably waive any claim that any such suit, action, or proceeding brought in any such court has been brought in an inconvenient forum; and (c) irrevocably waive the right to object, with respect to any such claim, suit, action, or proceeding brought in any such court, that such court does not have jurisdiction over you.
Severability and Non-Waiver
Survivability and Reservation of Rights
Frontline’s Contact Information
500 International Parkway
Lake Mary, Florida
Telephone: (877) 744-5224
Email: Contact us here