MARKEL INSURANCE COMPANY TERMS & CONDITIONS
Notice to California Residents:
For your protection, California law requires that you be advised of the following: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Markel Corporation Electronic Record and Signature Agreement
Markel Corporation, its subsidiaries and affiliates (collectively: “Markel”), may be required to provide you, your organization, or your representatives certain notices, disclosures, documents, policies, and/or related materials (collectively: “Insurance Documents”) as part of an actual or proposed insurance transaction; and, further, may need to obtain signed copies of Insurance Documents from you in order to facilitate an actual or proposed insurance transaction, confirm your receipt of such materials, or facilitate the servicing of insurance products purchased from Markel. Accordingly, by clicking the “I Agree” button at the bottom of this document, you agree to receive Insurance Documents electronically and provide electronic signatures in lieu of physical signatures (collectively: “Conduct Business Electronically”), where such electronic business functionality is made available by Markel or its designated service provider(s), and to do so upon such terms and conditions as are outlined below or as may be amended by Markel and/or its service provider(s) from time to time.
Obtaining Paper Copies
You or your authorized representative may request paper copies of any and all Insurance Documents provided or made available to you electronically by Markel. Markel hereby agrees to provide such paper copies, free of charge, and to arrange for delivery via the US Postal Service or a nationally established private carrier service, with such materials to be posted to the mailing address associated with your account. Requests for paper copies of Insurance Documents must include the relevant insured name, address, policy number, and effective dates and be signed by an insured or their authorized representative. Such requests should be directed to one of the following:
Mailing Address:
Markel Corporation
P.O. Box 3009
Omaha, NE 68103
E-mail: [email protected]
Withdrawing your Consent
You may elect to withdraw your consent to Conduct Business Electronically at any time and without penalty, provided that such withdrawal is made in writing and includes the relevant insured name, address, policy number, and policy effective date and is signed by you or your authorized representative. Markel will process all properly filed withdrawals in a timely manner; but reserves the right to continue to continue to Conduct Business Electronically during the pendency of such withdrawal of consent, as Insurance Documents and related signatures may be time sensitive and circumstances may not allow for manual exchange of hard-copy documents. Withdrawal requests should be directed to of the following:
Mailing Address:
Markel Corporation
P.O. Box 3009
Omaha, NE 68103
E-mail: [email protected]
Electronic Delivery and Signature Vendors
Markel may utilize the services of third-party service providers to facilitate electronic delivery of Insurance Documents and/or provide for electronic signature of such materials. Accordingly, your agreement to Conduct Business Electronically is also contingent upon your agreement to such further terms and conditions, including any hardware and software requirements, as may be required of Markel’s various service providers. Furthermore, you expressly acknowledge and agree that any action or failure to act on the part of such service provider(s) shall not give rise to any cause of action, suit, claim for damages, or similar proceedings against Markel.
Electronic Contact Information
In order to Conduct Business Electronically, you will be required to provide Markel and its service providers with your e-mail address and, in doing so, agree that neither Markel nor its service providers have any obligation to provide for the ongoing validation of such e-mail address. Accordingly, you are responsible for advising Markel and its service providers of any changes to your e-mail address by utilizing the process outlined by such service provider. Markel must be notified of e-mail address changes by directing correspondence to one of the following:
Mailing Address:
Markel Corporation
P.O. Box 3009
Omaha, NE 68103
Toll-Free Telephone: 888-500-3344
E-mail: [email protected]
Document Access, Retention, or Content Errors
During the course of Conducting Business Electronically you will receive electronic copies of documents, some of which may require your electronic signature, and all of which should be maintained in printed or electronic form for your records. Upon receiving such documents, or during your review thereof, instances may arise in which you are unable to access, save, or print copies of such documents. Similarly, you may identify errors in the content of such documents, which require correction. Should any of these circumstances arise, please contact Markel immediately via one of the following methods:
Mailing Address:
Markel Corporation
P.O. Box 3009
Omaha, NE 68103
Toll-Free Telephone: 888-500-3344
E-mail: [email protected]
Acknowledgement
By clicking the Purchase button, you expressly acknowledge and agree that you have read Markel’s Electronic Record and Signature Agreement and the terms and conditions contained herein; and that you were able to print on paper or electronically save and subsequently access Markel’s Electronic Record and Signature Agreement document and any associated materials incorporated herein by reference, including those documents referenced on the attached Certificate of Completion and the Certificate of Completion itself.
CONSUMER TERMS
Insurance Purchase Terms and Conditions
The following Terms and Conditions govern all sales of insurance plans, insurance-related products and non-insurance services through Fanshield, LLC (“FanShield,” “We,” “Us,” or “Our”). Please read them carefully before proceeding.
By clicking the button to complete your purchase or electing to purchase insurance and then completing your checkout on Our partner’s website, you are submitting a request to purchase a plan. This request is considered an offer by you. Your offer may be declined, or your plan may be cancelled or voided as if it were never in effect, if providing coverage, benefits, or services under the plan, or the underlying business or activity, would (1) violate any applicable law or regulation, including without limitation any economic or trade sanction or embargo; or (2) be provided within, or otherwise related to, any country subject to comprehensive economic and/or trade sanction or embargo in the United States.
By submitting this request for coverage, you acknowledge, understand, agree, and certify the following:
- All information you have provided is accurate to the best of your knowledge and that, by selecting the button to complete your purchase, you are agreeing to pay the amount displayed as the total price with the credit card number provided.
- You are the owner and/or authorized user of the credit card used in this transaction.
- Any plans purchased with intentionally inaccurate/fraudulent information will be considered void and may subject you to legal action as a result of such attempted purchase of insurance in accordance with applicable law.
- All transactions completed with FanShield are deemed to be contracts made and fully performed in FanShield’s headquartered state, which is Arizona, and in no other state, territory or country. You and all of the individuals covered under the plans you are purchasing represent that you are either U.S. residents subjecting yourself to the laws of Arizona or otherwise submitting yourself to jurisdiction of the state of Arizona as the place of contract formation and performance. Any disputes arising in connection with the purchase of insurance from FanShield will be governed by the substantive law of Arizona without regard to its choice of law principles.
- The policy or product you have purchased only covers the specific situations, events, and losses described in the policy and only under the conditions described in the policy. The policy documentation is available through the adjoining link or upon requested from Us. Any questions concerning the coverage afforded should be directed to Us prior to completing your purchase.
- No coverage is available under the policy for any loss resulting directly or indirectly from any loss, condition, or event that was known, foreseeable, intended, or expected when your policy was purchased.
- Since your satisfaction is Our priority, We are pleased to provide you at least three (3) days to review your plan. If, during this period, you are not completely satisfied for any reason, you may cancel your plan and receive a full refund of the plan price. After this period, the plan price is nonrefundable. Please note, no refund is available once the covered event has begun, a claim has been filed, or the policy has ended. See your plan for details.
- You consent to the processing of your personal data in accordance with Our privacy policy, which is available here https://protecht.com/privacy-policy.
- You also consent to receive all notices and documents from Us electronically. They will be sent to the email address provided at the time of purchase.
- No Reliance
IN CONNECTION WITH YOUR PURCHASE OF A PLAN, YOU ARE NOT RELYING ON ANY REPRESENTATION OR STATEMENT OF FANSHIELD OR ITS AFFILATES, OR THEIR RESPECTIVE EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS, EXCEPT AS EXPRESSLY PRESENTED IN THESE TERMS AND CONDITIONS, AND YOU HAVE BASED YOUR PURCHASE DECISION ON YOUR INDEPENDENT JUDGMENT AS TO THE SUITABILITY OF THE PLAN YOU ARE PURCHASING. - Waiver of Jury Trial / Arbitration
ANY AND ALL CONTROVERSIES, CLAIMS OR DISPUTES WITH FANSHIELD OR ITS AFFILATES, OR THEIR RESPECTIVE EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS ARISING OUT OF, RELATING TO, OR IN CONNECTION WITH, THIS CONTRACT AND/OR YOUR PURCHASE OF A PLAN, INCLUDING ANY ALLEGED BREACH OF CONTRACT, NEGLIGENCE OR INTENTIONAL MISCONDUCT, SHALL BE SUBJECT TO BINDING ARBITRATION UNDER THE FEDERAL ARBITRATION ACT. ANY ARBITRATION WILL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) CONDUCTED IN PHOENIX, ARIZONA UNDER THE APPROPRIATE AAA PROCEDURAL RULES. - Limitation of Liability
IN NO EVENT WILL FANSHIELD OR ITS AFFILIATES, OR THEIR RESPECTIVE EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, ARISING OUT OF OR IN CONNECTION WITH YOUR PURCHASE OF A PLAN, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING LIMITATION OF LIABILITY DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. - Waiver and Severability
No waiver by FanShield of any provision set forth in these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of FanShield to assert a right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of these Terms and Conditions is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of and Conditions will continue in full force and effect.
If you have any questions about your plan, please contact us at (844) 849-4827. Please include your name, policy number and relevant information you wish to share. Please do not send any confidential information, such as medical information or credit card data, via non-secure email.
Effective Date: 10/13/2022