Terms & Conditions
Copyright 2000-2017, Tower Hill Insurance Group, LLC (hereinafter “Tower Hill”). All rights reserved. No implied license to reproduce content is granted.
We cannot guarantee the availability of our site since many factors beyond our control may affect your ability to access the site. Tower Hill products and services are available only in those jurisdictions where Tower Hill is authorized by law to promote or sell them.
Tower Hill Preferred Insurance Company, Tower Hill Select Insurance Company, Tower Hill Prime Insurance Company, Tower Hill Signature Insurance Company and Omega Insurance Company are domiciled and have their principal place of business in Gainesville, Florida. Tower Hill Insurance Group, LLC, is a Florida company based in Gainesville, Florida, and is licensed as a Managing General Agent. Tower Hill Specialty, LLC, is based in Loveland, Ohio, and is licensed as a Managing General Agent. Tower Hill Claims Service, LLC, is a Florida company based in Gainesville, Florida. Bluegrass Insurance Management, LLC, is a Kentucky company based in Lexington, Kentucky.
Ownership of Materials & Restrictions on Use
The Tower Hill computer network and this website are the private property of Tower Hill. The information on this website, including but not limited to text, graphics, software, audio, video, and files, is the property of Tower Hill and is protected under United States and worldwide copyright laws and treaty provisions. Please contact Tower Hill to seek permission to copy such materials or for any other use. Nothing in Tower Hill’s policy is intended to grant any right to use the Tower Hill website or send e-mail to, or through, the Tower Hill computer network.
The phrase “To protect your castle, turn to the Tower®,” as well as all logos and graphics using the Tower Hill name, are the intellectual property of and/or federally registered trademarks and/or service marks owned by Tower Hill.
Our Refund Policy is to comply with all Florida and federal rules and regulations regarding financial refunds to our consumers. When we process a refund to you, we will send the funds via a business check to the address we have on file for you. If you have any questions about our policy, or when you may expect a refund, you may call us at (800) 342-3407. Please make sure to reference your policy number with any inquiries.
Passwords and Security
The Internet is not completely secure. We have taken reasonable steps to secure your information, though Tower Hill cannot prevent interception of your information. You are responsible to maintain the security and confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. To maximize security of your password, you should choose your password carefully. Your password should be 6 – 12 characters in length, must have at least one letter and one number in the password, and you should avoid using something that someone may guess easily, such as your own or a family member’s name, birthdate, etc. You should memorize your password and not give it to anyone. You should also change your password frequently. Tower Hill will not ask you for your password. If you believe your password has been compromised, change your password immediately and contact Tower Hill.
Some parts of this website may require authorization for access. Unauthorized access to these areas is prohibited and may result in criminal and civil prosecution. We may view, monitor and record any such attempts to access unauthorized areas and may give such information as necessary to law enforcement personnel.
You may not use this site to engage in any illegal activity. Tower Hill prohibits use of e-mail or this website if it is intended to, or appears to harass, libel, humiliate, embarrass, threaten, or defame any person, or if the e-mail or use is discriminatory, pornographic, indecent, or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation, disability or other illegal classification. You may not use this site in any activity that infringes on a third party’s intellectual property or other proprietary rights.
Tower Hill prohibits any bulk e-mails to be sent to Tower Hill e-mail addresses. The word “bulk” shall mean an e-mail message, or group of e-mail messages, sent to more than 10 different Tower Hill e-mail addresses in any 24-hour period. This prohibition includes specifically, but is not limited to: (1) solicitations for funds or donations; (2) political or religious messages; (3) informational announcements; or (4) commercial advertising.
Tower Hill prohibits the harvesting or collection of the e-mail addresses of Tower Hill agents and representatives from the Tower Hill web site for the purpose of sending bulk e-mail to Tower Hill agents or representatives.
Tower Hill reserves the right to take all legal actions available, including civil and criminal prosecution, to prevent violation of these Terms. Please be advised that no statements, actions or inactions by Tower Hill, or anyone acting on its behalf, relating to this Internet site, or our failure to enforce the Terms of this policy in every instance should be construed as a waiver of any rights by Tower Hill.
Any coverage descriptions provided on this site are general descriptions and do not form part of your insurance policy. To obtain coverage you must submit an application to a Tower Hill agent, which is subject to underwriting approval. For information about products, services or coverage selections offered by Tower Hill, please contact a Tower Hill agent.
Links to Other Websites
Tower Hill may provide links to other internet websites. Tower Hill does not sponsor or endorse the other sites or their materials, and these sites are not affiliated with Tower Hill in any way. Tower Hill is not responsible for the contents or the privacy policies of any link and makes no warranties or representations about the contents, products or services offered on such sites. We encourage you to read the privacy policies of every website you visit, as they may vary from Tower Hill’s. Our Privacy Statement applies solely to this website.
TOWER HILL MAY CHANGE THE PROGRAMS OR PRODUCTS ON THIS WEBSITE AT ANY TIME WITHOUT PRIOR NOTICE. TOWER HILL IS UNDER NO OBLIGATION TO MAINTAIN THE TOWER HILL WEBSITE, PROVIDE OR UPDATE TOWER HILL CONTENT OR OTHERWISE SUPPORT ANY LINK TO THE TOWER HILL WEBSITE. ALL INSURANCE PRODUCTS ON THIS WEBSITE ARE SUBJECT TO AVAILABILITY, QUALIFICATIONS, AND STATE AND FEDERAL LAW. NOTHING IN THIS WEBSITE SHALL BE CONSTRUED AS AN ADVERTISEMENT IN ANY JURISDICTION WHERE TOWER HILL OR ITS AFFILIATES ARE NOT LICENSED TO SELL INSURANCE. INSURANCE PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS WEBSITE ALSO APPLY.
THIS WEBSITE IS PROVIDED ON AN “AS IS” BASIS. TOWER HILL MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE TOWER HILL WEBSITE OR ANY INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS OR OTHER OPERATIONS ON THIS SITE. TOWER HILL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Limitation of Liability
TOWER HILL DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY, DIRECTLY OR INDIRECTLY, ARISING OUT OF THE USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS OF THIS WEBSITE, EVEN IF TOWER HILL IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Jurisdiction and Severability