Disclaimer

This Disclaimer and the access and use of Luminor Risk, L.L.C.’s (“Luminor”) services and website (the “Website”) are subject to Luminor’s Terms of Use and Privacy Policy, which are incorporated herein by reference. By using this Website, you agree to be bound by this Disclaimer, the Terms of Use and Privacy Policy (collectively, “Luminor Terms”).  To the extent you have entered into a separate written agreement with Luminor, such separate agreement shall be subject to and governed by the Luminor Terms. In the event of any conflict between the Luminor Terms and such separate agreement, the Luminor Terms shall control unless the separate agreement expressly and specifically waives or modifies a particular provision of the Luminor Terms by reference to that provision. Any capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Luminor Terms. 

Insurance Regulatory Disclosures

Luminor operates in accordance with applicable laws and regulations, including state insurance laws and regulations.  If you have any questions, please contact Luminor at bradley.winfield@luminorrisk.com . 

In the United States, insurance products are underwritten, bound and administered by Luminor, a licensed insurance producer and excess/surplus lines broker with its principal place of business in Alpharetta, Georgia, acting on behalf of a number of nonadmitted insurance companies in the capacity of a managing general underwriter. Complete license information for Luminor is provided in the chart below.

The property and casualty insurance products offered by Luminor, for distribution by wholesale brokers, are offered on an excess/surplus lines basis by nonadmitted insurers generally not licensed in U.S. states.  Insurance products offered through Luminor may not be available in all states.

Luminor partners with third-party licensed excess/surplus lines brokers to assist with the placement of insurance business. 

Luminor may receive compensation from an insurer or other intermediary in connection with the sale of insurance.  

All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Each policy should be reviewed for full terms, conditions and exclusions. Any information on this advertising does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier.

Licenses

Luminor Risk, L.L.C. holds licenses in all 50 states and the District of Columbia. 

Website Disclaimers

The content contained on this Website is provided by Luminor for your personal, noncommercial use, and general informational purposes only. The Content (as further defined below) on this Website does not constitute, and should not be construed as, insurance advice, legal advice, financial advice, or a solicitation, offer, or recommendation to buy or sell any insurance product.

No insurance coverage may be bound, altered, or cancelled through this Website. Any insurance coverage referenced is subject to underwriting approval, policy terms, conditions, limitations, exclusions, and applicable regulatory requirements. Coverage is only effective upon issuance of a binder or policy by the issuing insurer.

This Website is not intended for use by consumers to apply for insurance or submit claims. Luminor conducts insurance business through licensed brokers, on behalf of excess/surplus lines insurers, and in partnership with other counterparties in accordance with applicable law.

THE WEBSITE AND CONTENT ARE PROVIDED BY LUMINOR “AS IS,” AND NEITHER LUMINOR NOR ITS AFFILIATES, REPRESENTATIVES, OR LICENSORS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, BY STATUTE, USAGE, TRADE CUSTOM OR OTHERWISE, AND LUMINOR HEREBY DISCLAIM ANY AND ALL WARRANTIES, REPRESENTATIONS OR CONDITIONS, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR ANY INTENDED OR PARTICULAR PURPOSE. WHILE LUMINOR ENDEAVORS TO ENSURE THAT THE INFORMATION ON THIS WEBSITE IS ACCURATE AND UP TO DATE, LUMINOR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ABOUT THE COMPLETENESS, ACCURACY, RELIABILITY, TIMELINESS, OR AVAILABILITY OF THE INFORMATION CONTAINED HEREIN. LUMINOR ASSUMES NO LIABILITY WHATSOEVER IN CONNECTION WITH YOUR USE OF THE INFORMATION CONTAINED HEREIN. ANY RELIANCE YOU PLACE ON SUCH INFORMATION IS STRICTLY AT YOUR OWN RISK.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL LUMINOR, ITS PARENTS, AFFILIATES, SUBSIDIARIES, SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, LICENSORS OR ASSIGNS SHALL BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY LOSS OR DAMAGE OF ANY KIND, WHETHER BASED IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL LOSS OR DAMAGE EVEN IF LUMINOR HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING IN ANY WAY FROM, OUT OF OR IN CONNECTION WITH THE USE OF, OR INABILITY TO USE, THIS WEBSITE, THE CONTENT, OR ANY INFORMATION, LINKS OR ITEMS CONTAINED ON THE WEBSITE OR ANY PROVISION OF THIS DISCLAIMER, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL LUMINOR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED $100.

This Website may contain links to third-party websites for convenience only. Luminor does not endorse and is not responsible for the content, accuracy, or privacy practices of any third-party websites.

Ownership of Content and Website

All of the content information and materials currently contained on this Website, or may in the future be contained, including, but not limited to, text, graphics, logos, design, content, publications, images, drawings, illustrations, goods, icons, video, audio, files, applications, software, music, articles, directories, guides, photographs, and other materials (collectively, the “Content”) and the Website  are the sole and exclusive property of Luminor or its affiliates, third parties or licensors and are protected from any unauthorized use, copying and dissemination by copyrights, trademarks, service marks, international treaties, and/or other proprietary and intellectual property rights and laws of the U.S. and other countries. 

All present and future rights in and to any trade secrets, patents, copyrights, trademarks, service marks, know-how, and other proprietary or intellectual property rights of any type under the Laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the Website and its Content shall, as between you and Luminor, at all times be and remain the sole and exclusive property of Luminor. All present and future rights in and title to the Website (including the right to exploit the Website and any portions of the Website over any present or future technology) are reserved to Luminor for Luminor’s exclusive use. Neither this Disclaimer nor your access to the Website transfers to you or any third party any rights, title or interest in or to such intellectual property rights. No implied license or right is granted by Luminor by estoppel, reliance or otherwise.

Modifications to the Website

Luminor reserves the right to modify this Disclaimer at any time. Changes will be effective upon posting to the Website. Luminor may change or discontinue the Website or change or remove functionality of the Website at any time in Luminor’s sole discretion with or without notice to you. Luminor will not be liable to you or any third party for any modification, suspension or discontinuation of the Website or any part thereof.