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Sagamore Insurance Company is committed to partnering with independent agents. We strive to provide our insureds and independent agents with excellent service.

By using www.baldwinandlyons.com, www.sagamoreinsurance.com, www.sagamoreinsured.com or www.lowpayinsurance.com, or any other website application (hereinafter “Websites”) developed by Baldwin & Lyons, Inc., Protective Insurance Company, Sagamore Insurance Company, and B&L Insurance, LTD (Bermuda), (hereinafter “we,” “our” and “us”), for any purpose, you agree to all terms and conditions contained or referenced in these Terms and Conditions of Use. These Terms and Conditions of Use apply only to your use of our Websites and do not change or alter any other agreement or contract between you and our companies.

Privacy Notice
To learn more about our privacy policies and procedures, please visit our Privacy Notice.

Credit Card, Debit Card and Electronic Fund Transfer Payments
As part of our ongoing commitment to excellent customer service, we allow you to use your credit card, debit card or electronically transfer funds to pay your insurance premiums through our Websites. You must be over the age of 18 to use this payment service. Please note that the completion of a payment transaction is contingent upon the authorization of payment by the applicable credit card company, debit card or electronic funds transfer provider and acknowledgement of payment by us. In any event, you remain solely responsible for your premium payments to us.

Payment information (including, but not limited to, credit card numbers, expiration dates and bank account numbers) is confidential and will not be shared with anyone expect the financial institutions used to process various payments.

As with all information submitted to us, we have taken reasonable precautions to protect your payment information from loss, misuse, unauthorized disclosure or alteration, including, putting in place the appropriate physical, electronic and administrative procedures to safeguard and secure such information. Please be advised, however, that you are ultimately responsible for maintaining the secrecy of any payment information you share with us and we cannot guarantee against unauthorized access to this information even though we have taken all reasonable steps to protect this information.

Confidential and Secure Environment
We have physical, electronic and procedural safeguards in place to guard against unauthorized access, disclosure or use of customer information. Our Websites have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to us during a secure session. We restrict access to your personal information to our employees, our affiliates’ employees, or others who need to know that information to service your account. We will also monitor and adopt, as appropriate, new technological improvements that are designed to aid in ensuring the accuracy and security of customer information. Notwithstanding these efforts, we remind you that submitting information over the Internet is not risk free.

Disclaimers
OUR WEBSITES ARE PROVIDED ON AN “AS IS” BASIS. TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONALITY OR OPERATION OF OUR WEBSITES WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT ANY DEFECTS IN OUR WEBSITES WILL BE CORRECTED, OR THAT OUR WEBSITES OR THE SERVER(S) THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR COMPONENTS.

WE MAY CHANGE THE PROGRAMS OR PRODUCTS MENTIONED AT ANY TIME WITHOUT NOTICE. ADDITIONALLY, ALL INSURANCE PRODUCTS REFERRED TO IN OUR WEBSITES ARE SUBJECT TO AVAILABILITY AND QUALIFICATIONS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN OUR WEBSITES MAY APPLY.

Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY ARISING FROM THE FUNCTIONALITY OR OPERATION OF OUR WEBSITES (INCLUDING, BUT NOT LIMITED TO, DAMAGES ARISING FROM INTERRUPTIONS OF SERVICE OR DELAYS IN OPERATION OR TRANSMISSION), EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Your Consent
By using our Websites, you expressly consent to our Privacy Notice and Terms and Conditions of Use as described herein. If you do not agree to these Terms and Conditions of Use, please do not use any of our Websites. Please note that we may change the Terms and Conditions of Use from time to time by posting such changes on our Websites, so check back periodically to see any changes. By using our Websites after any future amendments to these Terms and Conditions of Use, you agree to any such amendments to the Terms and Conditions of Use.

The Privacy Notice and Terms and Conditions of Use apply to the following:
Baldwin & Lyons, Inc.
Protective Insurance Company
Sagamore Insurance Company
B&L Insurance, Ltd. (Bermuda)
(2-2004)

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