| TERMS OF USE | |
| 1. | NO BINDING OF INSURANCE You hereby agree that coverage will not and cannot be bound on this site unless a page "clearly " states that you can be bound. As of this date 11/29/2011 there is no such program of insurance in which you can bind coverage. We do anticipate having "options" in the future and we will keep you informed if we add such policies to our site. We courage you to register for our news letter. We sill only send out News emails about once per quarter. |
| 2. | CONFIDENTIALITY - PRIVACY We do not sell our data. We do not share our data with anyone except those Entities listed below in this Section 2. We do not sell lists. All information gathered by Athena Insurance and Financial Services is for assisting you in shopping for insurance and Risk evaluation. We gather facts in order to present your particular information to our respective Insurance Companies, their Underwriters, their staff and in some instances their computer interface quoting software. Here are our sister sites and or companies that we are associated with and will share information on an occasional basis:
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| 3. | COPYRIGHT All images, programming, code, text, brochures, Trademarks, are the ownership of Athena Insurance and Financial Services, Steve Valencia, our Sister Companies, our Insurance Company Associates and the other respective owners of their copyright trademarks. You may not copy, scrape, reverse engineer or use any content on this site with our express written permission. |
| 4. | LINKING You may feel free to link to our site but cannot use any of our names or other copyright materials in connection with stating there is any kind of association, ownership, interest or other statement that would lead other to believe you are part of or associated with us. You may not use keywords, meta data tag or urls that use AthenaInsurance.com, ContractorInsurance.net or any of our other domain name in your advertising on any search engine or browser. |
| 5. | GLOSSARY TERMS The matter of Law is not what we do here. The Laws regarding Insurance and the types of "products" vary from Insurance Carrier to Insurance Carrier and form State to State. For that reason if you choose to use the glossary section of this site you hereby acknowledge that you understand that we are talking in "general" terms and that "your" specific policy, contract, endorsement, provision and more may have a different meaning. We cannot stress enough the value of having a dedicated Account Representative review you insurance portfolio. |
| 6. | CONSULTING FEES We do not charge a consulting fee. |
| 7. | BROKER FEES We adhere to a policy of full disclosure. We do charge broker fees much of the time. Brokers fees allow us to sustain our business. Our policy is to present to you a verbal quote followed by a written proposal if requested. In all events we provide you with a written disclosure of any fees, the cost of your insurance premiums and any associated fees in advance of any request to bind coverage. You will also see, if any, all Managing General Agency, State Agency, Inspection or Insurance Company fees that are associated with your quote. We believe in full disclosure. All documents must be signed the insured. |
| 8. | ADDITIONAL INSURED CERTIFICATE REQUEST Only our Insured's or our Insured's designated can request an Additional Insured Certificate. There is generally a fee associated with the issuance of and "Additional Insured Certificate. " All such fees, if any, are disclosed to you at the time your proposal / quote is presented to you in writing. |
| 9. | NOT EMPLOYEES We are not employees of any Insurance Company. We are an Independent Insurance Agency that represents you "The Client or Prospect" in the acquisition of insurance. Our interest is in providing you with Protection and Service while adhering to the laws governing Agency and the transaction of insurance servicing while honoring the underwriting guidelines with the various Insurance Carriers we have an Association with. For a list of Insurance Carriers click here... |
| 10. | DIRECT VS INDIRECT INSURANCE COMPANY APPOINTMENTS For many Prospects and Clients the association of how we are able to access so many different insurance companies products is invisible. Here is some information that you hereby acknowledge in dealing with our Agency and this site. Appointment for some companies are what are deemed direct. The Agency written agreement with such carriers spell out the terms and conditions under which we are to work with them in order to get quotes. In some situations they allow the Agency to bind coverage and grant us a written "authority" do to so. With other Direct appointments we may not. Instead we have to make a complete submission either in advance or within a given window of time. In Direct associations are when we place business with a Manager. These Managers and called Managing General Agents. For the most part MGA's do not and will not deal with the Consumer directly. They work solely with an Agency like Athena Insurance and Financial Services. They too have a written agreement in most situations that guide us on the terms and conditions under which we must operate in order to make a submission to get a quote and under which procedures we MUST follow in order to bind. The point is...we do not have Direct appointments with all of our carriers and do work with MGA's in order to help you find the insurance you need. |