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Terms and Conditions

Please read these terms and conditions of use carefully before using or obtaining any materials, information, or services through this site.

When you access or use this website, including all information, graphics, data, materials, products, services and/or other content ("Website"), you acknowledge that you have read, understood, and agree to these terms and conditions ("Terms").

If you do not accept or understand all of these Terms, do not access or use this Website and cease your current access.


HUB (including its subsidiaries and affiliates) are licensed as insurance brokers or agents in various U.S. states and Canadian provinces and territories. This Website is not intended as a solicitation for insurance products or services in any state or province where HUB is not licensed to offer such products or services. All products and services described on the Website in relation to brokerage or agent services are considered to be advertised by the respective or applicable HUB entity that responds to a product or service query in its own business name(s) in terms of its license.


HUB and its content providers ("Providers") own and have copyrights on this Website and all of the content, which is protected by US, Canadian and International copyright laws and treaties, as the case may be. For clarity, the text, design, images, audio, video, and other content of the Website and/or of other sites linked from this Website, including any analysis or coverage options generated by this Website (“Content”) are owned by and belong to HUB and/or the Providers, as the case may be. The Content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of HUB. However, you may download material from this Website strictly for use within your organization provided that you ensure that all such downloaded material contain all copyright and proprietary notices and/or are used in keeping with these Terms.

Trademarks, logos, and service marks displayed on this Website ("Marks") are not exhaustive and are the registered or common law Marks of HUB or its Providers, as the case may be. Your use of and access to this Website does not grant you any license or right to use, copy, modify, distribute, publish, or otherwise benefit from any of the Marks. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.


By using this Website you warrant that you are at least 16 years of age and can enter into binding contracts for insurance or other goods. If you are less than 16 years of age you may not use this Website and you must immediately cease your current use or access. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.

You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on HUB's computer equipment.

You may not use this Website for any commercial, financial, or other similar purpose without the express prior written consent of HUB.

Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms.

HUB reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.


Your use of this Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

Co-Branded Areas

In order to provide a greater breadth of services, certain functions provided on this Website are outsourced to third parties. Specifically, HUB has contracted with third parties to help improve our technical services and operations as well as provide additional business services and content to our visitors. Certain pages and microsites in this Website, therefore, are operated and controlled by a third party ("Co-Branded Areas"). These Co-Branded Areas continue to display HUB's trademarked logo at the top of the page but are nonetheless operated and managed by a third party. These Terms, in conjunction with any further terms and conditions posted in the Co-Branded Areas, govern your access and use of those Co-Branded Areas. In all other respects, access to the Co-Branded Areas is at your own risk.

Links. This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. Links to outside sites do not constitute or imply endorsement by HUB of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk: for clarity, HUB will not be liable for any loss or damage caused to you or any third party in connection with links to websites outside of this Website.


Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, policy, or plan. Application for an insurance quotation through this Website does not constitute an offer for insurance coverage, a binder of insurance coverage, a contract for insurance coverage, or the reporting of a claim. The application may be used by HUB to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies of such companies and applicable law. Circumstances vary and Website visitors must carefully review their own insurance policies and consult with their insurance advisors on the terms and conditions of the insurance policies.

Nothing contained in this Website constitutes a guarantee by HUB that HUB can procure an insurance product or service for any particular client or for any particular risk.

Disclaimer of Warranties

HUB and its providers make no warranty of any kind regarding this website and/or the content on the website. This website and content are provided "as-is". HUB expressly disclaims any representation or warranty that this website or use thereof will be error-free, secure, or uninterrupted. Save for the representations and warranties concerning the licensing authority of HUB, HUB further disclaims any warranty as to the accuracy, adequacy, completeness or timeliness of any of the content on this website, and further expressly disclaims liability resulting from or arising out of any errors or omissions contained in the information or materials accessed on or through this website. HUB and its providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement of third party rights, performance, availability, freedom from computer viruses, trojans, worms or other harmful or disruptive components and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you.

Limitation of Liability

HUB and its providers will not be responsible or liable for (a) any viruses, trojans, worms, or harmful components that may infect or any other loss or damage that may be caused to your computer software, data, and/or equipment or other property as a result of your access to and/oruse of this website including by browsing or downloading any content on this website and (b) any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with (i) any access or use of this website or the content found therein, (ii) any failure or delay (including without limitation the use of or inability to use any component of this website to submit applications for insurance products or services), or (iii) the performance or non-performance by HUB or any provider, even if HUB have been, or a provider has been advised, of the possibility of damages to such parties or any other party. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, inaccuracy, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record or information available, submitted to, or stored on this website, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

Cautionary Statement on Forward-Looking Statements

This Website contains press releases and other written statements issued by HUB and may include forward-looking statements which reflect the current views of HUB with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. The words "believe," "expect," "anticipate," "project," "plan," and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of their dates. HUB undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.


These Terms are governed by the laws of the State of Illinois, excepting its conflicts of law principles and in the case of a HUB entity incorporated in Canada, by the laws of Canada and applicable provinces. Any dispute arising out of this Website shall be subject to the exclusive venue of a court of competent jurisdiction in Chicago, Illinois, and in the cases of a HUB entity incorporated in Canada, by the courts of Ontario. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by HUB to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and HUB relating to your use of the site and replaces any prior oral or written understandings or agreements.

Indemnification. You agree, at your own expense, to indemnify, defend and hold harmless HUB and its directors, employees, representatives, suppliers and agents, against any claim, suit, action or other proceeding, to the extent based on or arising in connection with your use of the Website, or any links on the Website, including, but not limited to any deletions, additions, insertions or alterations to, or any unauthorized use of the Website by you or someone using your computer or your password, or any misrepresentation or breach of representation, warranty or covenant made by you contained herein. You agree to pay any and all costs, damages and expenses (including reasonable attorneys’ fees) and costs awarded against or incurred by or in connection with or arising from any such claim, suit, action or proceeding.


HUB reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Terms and Conditions" link on this Website's home page. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your use of this Website after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on June 18, 2021.