Welcome to the Coverage Loop™ Rater Engines

INTRODUCTION

Our new On-Line Rater Engines are the first of many new rater engines by Empire Underwriters designed for your convenience. These Rater Engines are intended to provide an easy and quick way to obtain indications and quotations from a broad selection of carriers so that you can better service your policyholders.

Our easy five step registration process will provide the information we need to verify your new account in order to use the new Rater Engines.

To complete this registration process, you will need the following:

  • Your Agency Name
    Whether your Agency is currently appointed with Empire Underwriters, LLC (Brokerage Agreement in place)
  • The name of your appointed Agency Administrator for these Rater Engines Email & fax number required
  • The names of each of the Users for these Rater Engines for your Agency Email & fax number required

*In our introductory wording for this online system, there will be references to our “Rater Engines”, “Comparative Rater Engine”, and other analogues to describe the Coverage Loop™ Rater Engine. When doing so, we are referring to our current engines and all future engines that will be built on our company platform(s). These engines currently include Workers' Compensation, Roofer General Liability, General / Paper Contractor General Liability (Coming Soon), Concrete Foundation General Liability (Coming Soon), Inland Marine/Equipment Floater (Coming Soon), General Liability, Artisan General Liability (Coming Soon), Pollution Liability (Coming Soon), Liquor Liability (Coming Soon), and Excess Liability (Coming Soon), with others in development. Keep in mind that as our system expands to support more functionality and capability, these terms will still apply.



Terms and Conditions

AGREEMENT AND CONDITIONS OF USE

Empire Underwriters, LLC/Empire General Insurance Agency, LLC and its subsidiaries and affiliates are collectively referred to as “EMPIRE” throughout this website and this Agreement.

Any use of this Empire Licensed/Approved Online Indicator and Rating System, referred to as “Coverage Loop™ Rater Engines” is conditioned by the acceptance without modification of the terms, conditions, and notices contained in this Agreement. By executing this Agreement with Empire Underwriters, LLC via clicking the “I Accept” button at the end of this Agreement, the User acknowledges that the User has read and understands the contents of this Agreement and agrees to be legally bound thereby.

By use of the Coverage Loop™ Rater Engines, the User(s) agree that indications or quotes issued by the Rater Engines are not binders, policies or Certificates of Insurance and in no manner, state coverage has been approved or is in effect. The acceptance criteria and effective date any policy and any endorsement issued thereafter is determined by the underwriting insurance company and that coverage shall be in effect only when approved and bound by the underwriting carrier. Further, User(s) fully understands and agreed that EMPIRE is not an insurance company and thus does not warrant the clearing, reserving or affecting of coverage for any submission received.


AUTHORIZED USE/ACCESS

Through use of a password, User will be able to access EMPIRE and User’s agency’s information on this website. User’s Agency is solely responsible for designating Users who will be authorized to use the service and for the confidentiality and use of Users’ assigned passwords. The User accepts full responsibility for all transactions entered through the User’s password. The User or the User’s Agency should notify EMPIRE immediately should there be a change in personnel that had access to Users USER NAME and Password, or if the User’s password is lost or stolen or if the User or the User’s Agency becomes aware that any password is being used in an unauthorized manner. Neither EMPIRE nor our employees, agents, affiliates and subsidiaries shall be responsible or liable to the User or the User’s Agency or any other person or entity resulting from any use or access, whether authorized or unauthorized, of any part of this website. The user name and passwords shall be assigned by Empire. You may request a new User name and password at any time. We require that you obtain a new password upon any staff changes.

EMPIRE reserves the right to discontinue electronic access to the account at any time. EMPIRE further reserves the right to modify the information contained on this website or to modify the availability of any transactions at any time. EMPIRE may immediately and without notice terminate the User’s ability to access information for any reason, including, but not limited to, violation of the conditions of use or if User endangers the use of the services provided through this website.


LIMITATION ON USE OF DATA/PROPRIETARY INFORMATION

User shall at no time assert any claim of ownership over the information and data by use thereof and shall not grant or create or suffer to exist any lien or other security interest in it or any of its rights hereunder.


PROPRIETARY AND TRADEMARK RIGHTS

The User acknowledges and agrees that all trademarks, service marks, trade names, logos, icons and domain names located on this website are the property of EMPIRE. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of EMPIRE or such third party that may own such marks or names displayed on this website. The User’s use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission, by EMPIRE. The use of these images by User, or anyone authorized by the User, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


HYPERLINKS

No User may provide Hyperlinks to this website without the prior written consent of EMPIRE.


RESTRICTIONS ON USE OF MATERIALS

This Coverage Loop™ Rater Engines are owned and operated by EMPIRE. Except as otherwise expressly permitted in writing by EMPIRE, no materials from these Coverage Loop™ Rater Engines or any website owned, operated, licensed or controlled by EMPIRE may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. The User may download material displayed on this website for the User’s use only and provided that the User does not remove any copyright and other proprietary notices contained on the materials. The User may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including text, images, audio, and video without EMPIRE’s written permission. EMPIRE neither warrants nor represents that the User’s use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with EMPIRE.


DATA PROTECTION

EMPIRE is committed to respecting the privacy of your personal information. EMPIRE is not obligated to monitor any transmission made through the respective web pages. However, EMPIRE has the right, but not the obligation, to monitor any transmission made to and for these Coverage Loop™ Rater Engines. EMPIRE may reproduce, use, distribute or disclose information transmitted to this site or collected through use of these Coverage Loop™ Rater Engines. The User acknowledges that such information shall be deemed to be non-confidential and that the User’s communication may be read or intercepted by others. The User acknowledges that no obligation of any kind shall be attached to such information and that by transmitting information, non confidential, contractually implied or other relationship is created between the User and EMPIRE.


INDEMNIFICATION

The User agrees to indemnify EMPIRE, its officers, directors, owners, agents, and employees harmless from and against any loss, damage, liability, cost, claim or expenses of any kind (including, but not limited to attorney’s fees and costs) that EMPIRE, its officers, directors, owners, agents, or employees may incur arising out of claims resulting from User’s use of or access to these Coverage Loop™ Rater Engines or the User’s violation of any term or condition of this Agreement or the rights of any third party.


COMMUNICATIONS

I hereby acknowledge and approve Empire to utilize various communication methods to contact my company representatives and/employees for the purpose of providing indications, quotations, account maintenance, risk management or as an effort to inform my company of a service or product, or solicit a transaction. Empire may additionally contact me after a policy is cancelled. These communication methods include, but are not limited to; telephone, fax, email, text messaging and pre-recorded calls dialed from an electronic system.


JURISDICTIONAL ISSUES

EMPIRE makes no representation that all products and services on these Coverage Loop™ Rater Engines are appropriate or available for use in the User’s state. Some products and services may not be available in all jurisdictions. If the User chooses to access these Coverage Loop™ Rater Engines, the User does so on his/her own initiative and he/she is responsible for compliance with any local, state and federal laws. The information contained on this website is not an offer to sell or a solicitation to buy any product or service. No product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under any law of such jurisdiction.


USER CONDUCT

When accessing or making use of any service provided on the web pages the User may not:

  • Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law.
  • Post or transmit any information or software that contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other User from using the website.
  • Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through EMPIRE’s web pages for commercial purposes without EMPIRE’s prior written permission.
  • Use any information or data provided by this website in a manner that EMPIRE, in its sole discretion, considers to be inappropriate.


DISCLAIMER AND LIMITATION OF LIABILITY

NEITHER EMPIRE NOR ANY OF EMPIRE’S CONTENT PROVIDERS SHALL BE LIABLE TO THE USER (OR ANY THIRD PARTY MAKING CLAIMS THROUGH THE USER) FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL DAMAGES OR PUNITIVE DAMAGES, OR DAMAGES FOR LOSS OF USE, PROFITS, DATA OR OTHER INTANGIBLES OR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, UNAUTHORIZED ACCESS TO AND TAMPERING WITH THE USER’S INFORMATION OR TRANSMISSIONS, ARISING OUT OF OR RELATED TO THE USE, INABILITY TO USE THIS WEBSITE, UNAUTHORIZED USE OR ACCESS, PERFORMANCE OR NON-PERFORMANCE OF THE SITE, OR ALTERATION OF USER’S TRANSMISSION OR DATA, EVEN IF EMPIRE HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES AND WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW OR OTHERWISE.


NO LEGAL ADVICE

The information on these Coverage Loop™ Rater Engines is provided for informational purposes only. It is not intended to be and should not be construed as legal advice. This information is not a substitute for legal advice from a competent lawyer.


APPLICABLE LAW AND VENUE

This Agreement shall be interpreted, construed and enforced in all respects in accordance with the laws of the Commonwealth of Florida, without regard to any choice of law provisions. Although the User acknowledges that EMPIRE has the ability to enforce its rights in any court of competent jurisdiction, the User hereby consents to the exclusive jurisdiction and venue of the courts of Hillsborough County, Florida, U.S.A.


ACCEPTANCE OF TERMS OF USE/MODIFICATION OF TERMS

EMPIRE reserves the right to modify the terms and conditions of this Agreement at any time without prior notice to the User. Additionally, EMPIRE may, at any time without prior notice to the User, terminate the User’s access to and use of these Coverage Loop™ Rater Engines, in whole or in part.

EMPIRE may amend, remove, or add to any or all parts of this Agreement at any time without notice and the User’s use of the Coverage Loop™ Rater Engines after EMPIRE revises the Agreement means that the User agrees to be legally bound by the revised Agreement. Any new features or updates put on the Coverage Loop™ Rater Engines shall be subject to the terms and conditions of this Agreement.

Any information provided to EMPIRE by the User must be true and accurate. EMPIRE may stop the User from using the Coverage Loop™ Rater Engines if the User does not update and maintain accurate information, including, but not limited to, an accurate e-mail address.

EMPIRE shall not be responsible for any User’s impersonation of another User on our site.


EXECUTION OF THESE TERMS AND CONDITIONS

I, the User, hereby understand that by executing this form I am accepting all the terms and conditions of the above Agreement with EMPIRE. I, the User, acknowledge that by executing this form I agree to legally be bound by the Agreement in its entirety.


TRADEMARK NOTICE

Coverage Loop is a trademark of Empire Underwriters, LLC/Empire General Insurance Agency, LLC

The entire contents of the Coverage Loop™ Rater Engines website and www.rater.coverageloop.com are trademarked by EMPIRE. No part of this media (site) shall be reproduced, stored in a retrieval system, or retransmitted by any means, electronic, mechanical, photocopying, desktop publishing, recording, or otherwise, without written permission from EMPIRE.

I Decline I Accept


E-signature

12/14/2018

I attest that I am an authorized representative of and authorized to sign this agreement.

REGARDING E-SIGNATURES

By my using the e-signature feature of this online application, I represent and warrant without reservation that I have the legal right, power, and authority to agree to all terms contained in the electronic records of this online application on behalf of myself (or on behalf of the individual on whose behalf I am acting, if different). I further agree that my use of the e-signature feature of this online application constitutes an "electronic signature" as defined by the Electronic Signatures in Global and National Commerce Act ("E-Sign") and the Uniform Electronic Transactions Act ("UETA") and that I have formed, executed, entered into, accepted the terms of, and otherwise authenticated the terms specified herein for the use of the e-signature feature of this online application. By signing this Electronic Signature Acknowledgment Form, I agree that my electronic signature is the legally binding equivalent to my handwritten signature and I thus state that it has the same validity and meaning as my handwritten signature. I will not, at any time in the future, repudiate the meaning of my electronic signature or claim that my electronic signature is not legally binding.


You may not proceed further without accepting the terms.


NEXT

CREATING A NEW ACCOUNT


Please provide the following information to proceed through the registration process:



Yes
No




First Name Last Name Email Fax




First Name Last Name Email Fax
+


NEXT

THANK YOU FOR YOUR REGISTRATION

Your registration is now being reviewed by our Agency Relations Department. You will be notified shortly on your Coverage Loop™ Rater Engines Account Status.

As part of the Rater Engines Verification Process, we need you to view this 10 minute Webinar on the use of the Rater Engines. This Webinar is part of the Verification Process and needs to be viewed before the process can be completed.


Watch Webinar

Once your new account has been verified, the Agency Administrator and each of the Users named will be emailed a password and a link to log into the Rater Engines.


NEW RATER ENGINES COMING SOON AT EMPIRE UNDERWRITERS, LLC.


Roofers General Liability - Comparative Rater Engine for A Rated Carriers
More Details


Contractors General Liability - Comparative Rater Engine
More Details


Inland Marine Tool/Equipment Coverage - Online Rater Engine
More Details