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Disclaimer of Liability



Use of this website is provided “as is, where is”, without warranty of any kind, including, without limitation, any warranty of title, merchantability, or fitness for a particular purpose. In no event shall we or our affiliates be liable for damages to you or your agents or employees for any deficiency, error, or interruption in the service or any order of any kind.  Your sole remedy in the event of any deficiency, error, or interruption shall be to request that we correct the matter or if we fail to do so, to discontinue use of the service at your option.  Our website will occasionally experience outages during which you or other users will not be able to login, view or operate our website.  We do not warrant that this website, its servers, or e-mail are free of viruses or other harmful components.  We will not be liable for any damages of any kind arising from the use or unavailability of this website.

To the fullest extent allowed by applicable law, in no event shall we, our member companies, or ours or their employees be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, the use of this website or with any delay or inability to use this website, or for any information, products, and services obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability, or otherwise, even if we, our member companies, or their employees have been advised of the possibility of damages.

The descriptions of the HPIA products and services mentioned in this website, such as the terms, coverages, conditions, limits and exclusions of the products and services, are provided for general information purposes only. Coverage CANNOT be bound, amended, or altered by leaving a message on this website.  The documents, policies and other materials that will be issued to you for those HPIA products and services that you select will contain the actual terms, coverages, conditions, limits and exclusions that will apply.  You should review carefully all of the materials supplied to you.  If you have any questions in this regard, please contact your licensed insurance agent and have the agent assist you with your particular coverage requirements.