Terms & Conditions of Use
Materials contained on the www.globalindemnity.ky website are proprietary and protected by copyright law. Copyright © 2016 Global Indemnity Limited. All rights reserved.
Information is provided for general informational purposes and is not intended, nor should be construed, to be complete descriptions of products and services. Global Indemnity Limited. ("Global Indemnity") periodically updates and changes the information on this website and reserves the right to do so without any obligation to notify current or prospective clients.
Copyrights & Trademarks
Except as expressly permitted by Global Indemnity, no copyrighted materials or trademarks may be copied, distributed, reproduced, republished, uploaded or retransmitted in any way without the express written consent of Global Indemnity or any third party that may own trademarks displayed on the site. Materials may be printed and downloaded for personal, non-commercial use, provided that the use retains the copyright notices contained on the materials. Public or commercial uses of the content on the site are not permitted without Global Indemnity's express written permission.
The "Global Indemnity," "Global Indemnity Limited," "American Reliable Insurance Company," "United National Group," "United National Insurance Company," "Diamond State Insurance Company," "unitednat.com," "Penn-America Group," "Penn-America," "Penn-Star," "Penn-Link," "Penn-America Insurance Company," "Penn-Star Insurance Company," "Penn-Patriot Insurance Company," "pennlink.com," "penn-america.com," "J.H. Ferguson & Associates, LLC," "jhferg.com," "VacantExpress.com," "Collectibles Insurance Services, LLC," and "collectinsure.com" names and logos are trademarks of Global Indemnity. All other names and marks are those of their respective owners and are used with permission. Nothing contained on this site should be construed as in any way granting any license or right to use any trademark displayed on this website without the written permission of Global Indemnity or any third party that may own the mark.
All information contained on this site is provided "as is." No warranties of any kind, either express or implied are provided and any and all such warranties are disclaimed to the fullest extent permitted by applicable law. This includes but is not limited to warranties of merchantability and fitness for a particular use. Global Indemnity does not warrant or make any representation concerning the accuracy, reliability, timeliness or usefulness of materials on the website. Global Indemnity does not warrant that functions contained in the materials will be uninterrupted and error-free, or that this website or its server will be virus free. The user assumes the entire cost of any and all damages and Global Indemnity assumes no responsibility or liability for damages to any computer, including viruses, as a result of the use of, access to, or inability to access this website, including servicing, repair or correction. Global Indemnity makes no warranties and disclaims any responsibility for any materials, information or activities that may be found on any linked sites.
Limitation of Liability
Although every reasonable effort is put forth to update and maintain the accuracy of the information on this site, the possibility does exist that inaccuracies and omissions may occur. Reliance upon any information contained on this site is at the user’s own risk. Under no circumstances, including negligence, will Global Indemnity be held liable for any direct, indirect, incidental, consequential or punitive damages resulting from the reliance on, use of, or the inability to use any information contained on this or any linked sites. In addition, any persons or entities that unlawfully access this site or distribute materials from this site shall be responsible for any and all damages and liable for indemnification of any losses caused by the illegal or unauthorized use.
Global Indemnity does not represent that the information on this site is appropriate or available for use in all locations. Those accessing this site do so on their own initiative and are responsible for compliance with all applicable laws.
Appropriate reciprocal links to the website are welcomed without permission. Any provided links are not endorsements and Global Indemnity accepts no responsibility for the content or activities of any other linked sites.
Inquiries concerning trademarks, service marks, copyrights or websites should be directed to Global Indemnity Limited, 27 Hospital Road, George Town, Grand Cayman KYI-9008, Cayman Islands, Attn: General Counsel's Office.
We at Global Indemnity, which includes our U.S. subsidiaries, are required to protect our customers' nonpublic personal financial information.
We collect nonpublic personal financial information from the following sources:
- Information obtained from you, including information from your application, such as name, address, telephone number, social security number, assets and income
- Information about transactions and experiences, such as your premium payment and claims history
- Information from a consumer reporting agency, such as your credit history
WE DO NOT DISCLOSE THE NONPUBLIC PERSONAL FINANCIAL INFORMATION OF OUR CUSTOMERS OR FORMER CUSTOMERS, EXCEPT AS PERMITTED OR REQUIRED BY LAW. WE RESERVE THE RIGHT, HOWEVER, TO CHANGE THIS POLICY AT ANY TIME. SHOULD THIS POLICY CHANGE WE WILL GIVE AFFECTED CUSTOMERS AN OPPORTUNITY TO DIRECT THAT THEIR NONPUBLIC PERSONAL FINANCIAL INFORMATION NOT BE DISCLOSED.
We maintain electronic, physical and procedural safeguards that comply with federal regulations to protect your nonpublic personal financial information. We limit access to your nonpublic personal financial information to those employees who need to know that information to perform their job responsibilities.
We disclose nonpublic personal financial information of former customers to affiliated and nonaffiliated third parties as permitted by law.
SAFE HARBOR STATEMENT
Some of the statements on the www.globalindemnity.ky website may include forward-looking statements that reflect our current views or those of our affiliates with respect to future events and financial performance that are intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that are not historical facts. These statements can be identified by the use of forward-looking terminology such as "believe," "expect," "may," "will," "should," "project," "plan," "seek," "intend," or "anticipate" or the negative thereof or comparable terminology, and include discussions of strategy, financial projections and estimates and their underlying assumptions, statements regarding plans, objectives, expectations or consequences of identified transactions, and statements about the future performance, operations, products and services of the companies.
Our business and operations, and that of our parent and affiliates, are and will be subject to a variety of risks, uncertainties and other factors. Consequently, actual results and experience may materially differ from those contained in any forward-looking statements. Such risks, uncertainties and other factors that could cause actual results and experience to differ from those projected include, but are not limited to, the following: (1) the ineffectiveness of Global Indemnity's business strategy due to changes in current or future market conditions; (2) the effects of competitors' pricing policies, and of changes in laws and regulations on competition, including industry consolidation and development of competing financial products; (3) greater frequency or severity of claims and loss activity than Global Indemnity's underwriting, reserving or investment practices have anticipated; (4) decreased level of demand for Global Indemnity's insurance products or increased competition due to an increase in capacity of property and casualty insurers; (5) risks inherent in establishing loss and loss adjustment expense reserves; (6) uncertainties relating to the financial ratings of Global Indemnity's insurance and reinsurance subsidiaries; (7) uncertainties arising from the cyclical nature of Global Indemnity's business; (8) changes in Global Indemnity's relationships with, and the capacity of, its general agents; (9) the risk that Global Indemnity's reinsurers may not be able to fulfill obligations; (10) investment performance and credit risk; and (11) uncertainties relating to governmental and regulatory policies.
The foregoing review of important factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements that are included in Global Indemnity’s Securities and Exchange Commission filings. We undertake no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise.