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Notice
Information provided by this service resides on a computer system funded by HM Insurance Group (HM). Anyone using this system consents to the monitoring of this use by security, system or law enforcement personnel.

No Warranty
The information and materials contained in this Internet site, including text, graphics, links or other items, are provided "as is" or "as available." HM Insurance Group and affiliated companies do not warrant the accuracy, completeness or adequacy of this information and materials. HM Insurance Group and affiliated companies expressly disclaim liability for errors or omissions in this information and materials. No warranties of any kind — implied, expressed or statutory, including, but not limited to, the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular use or purpose, and freedom from computer virus — are given in conjunction with the information and materials.

Disclaimer
In no event will HM Insurance Group and affiliated companies, including employees, officers or directors of HM Insurance Group and affiliated companies, be liable for any damages, including, but not limited to, direct or indirect, special, consequential, incidental damages or punitive damages, losses or expenses arising in connection with this Internet site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if HM Insurance Group and one of its affiliated companies are advised of the possibility of such damages, losses or expenses. These Terms and Conditions do not apply to hyperlinks to other Internet resources; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by HM Insurance Group or one of its affiliated companies.

Copyright Status
All documents available from this server may be protected under the U.S. and Foreign Copyright Laws. Permission to reproduce may be required. HM Insurance Group retains all rights to the information provided by this service, including, but not limited to, the right of distribution.

Limitation of Jurisdiction
By accessing, transmitting or viewing any information on this home page or within this Web site, you agree to be subject to personal jurisdiction in the Commonwealth of Pennsylvania. Any transaction or occurrence arising out of accessing, transmitting or viewing any information on this home page shall be judged in accordance with the laws of the Commonwealth.

Fraud Statement
Any person who knowingly and with intent to defraud and deceive any insurance company submits an insurance application or statement of claim containing any false, incomplete or misleading information may be subject to civil or criminal penalties, depending upon state law.
In Florida, any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an insurance application containing any false, incomplete or misleading information is guilty of a felony in the third degree.

In New Jersey, any person who includes any false or misleading information on an application for insurance is subject to criminal and civil penalties.

In New York, applicants for Accident and Health Insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance ac, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

In Pennsylvania, any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

HM Insurance Group supports fraud detection, investigation, and prosecution to limit the added costs due to insurance fraud.