Terms and Conditions

The products described in this web site (this “Web Site”) are provided by one or more of the following members of Mid-Continent Group (collectively “Mid-Continent Group”):

Mid-Continent Assurance Company

Mid-Continent Assurance Company is an OH domiciled property and casualty insurance company, authorized in CT, DE, FL, ID LA, MO, NE, ND, NH, NJ, NV, MA, ME, MS, OH, OK, PA, RI, TX, VA, VT, WV and WI only with its principal place of business at 1437 S. Boulder Ave., Suite 200, Tulsa, OK 74119, NAIC number 15380.

Mid-Continent Casualty Company

Mid-Continent Casualty Company is an OH domiciled property and casualty insurance company, authorized in all states except in AK, CA, HI, NY and the DC, with its principal place of business at 1437 S. Boulder Ave., Suite 200, Tulsa, OK 74119, NAIC number 23418.

Mid-Continent Excess and Surplus Insurance Company

Mid-Continent Excess and Surplus Insurance Company is a OH domiciled surplus lines insurance company, eligible to underwrite surplus lines insurance in all states and the D.C. except in MA, ME, CA, NY and RI, with its principal place of business at 1437 S. Boulder Ave., Suite 200, Tulsa, OK 74119, NAIC number 13794.

Oklahoma Surety Company

Oklahoma Surety Company is an OH domiciled property and casualty insurance company, authorized in the States of AR, KS, LA, OH, OK and TX only, with its principal place of business at 1437 S. Boulder Ave., Suite 200, Tulsa, OK 74119, NAIC number 23426.

Mid-Continent Specialty Insurance Services, Inc.

Mid-Continent Specialty Insurance Services, Inc. is an OK domiciled insurance agency with its principal place of business at 1437 S. Boulder Ave., Suite 200, Tulsa, OK 74119.  

All insurance products referred to in this Web Site are subject to availability and qualifications. Not all companies are licensed in all jurisdictions. Not all products are available in all jurisdictions. The materials available through this Web Site do not constitute an offer of any product in any jurisdiction. Licensing information is current as of September 30, 2017.  

This Web Site contains links to our affiliates’ web sites. The terms and conditions contained in affiliates’ web sites supersede these terms and conditions for purposes of that affiliate’s web site and that affiliate’s customers, potential customers and claimants.

This Web Site is the property of Mid-Continent Group. This page sets forth the terms and conditions under which Mid-Continent Group provides the information on this Web Site, as well as the terms and conditions governing your use of the Web Site. By making use of this Web Site, you agree to be bound by the terms and conditions that appear here. These terms and conditions are subject to updating at any time without notice. Changes to the terms and conditions take effect when posted to the Web Site.

IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, DO NOT ACCESS THE WEB SITE OR ANY OF ITS PAGES.

Copyright / Trademark

© 2023 Mid-Continent Casualty Company. All rights reserved. No part of the materials made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval. The service marks used within this Web Site are the property of Mid-Continent Casualty Company, including but not limited to the Mid-Continent M logo and the word marks "Mid-Continent Group" and "Oklahoma Surety Company" as well as the names of various products and services described within and offered by Mid-Continent Group.   

Jurisdiction

Use of this Web Site is governed by the laws of the state of Ohio, USA other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Hamilton County, Ohio, USA.

Enforceability

If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.

Loss Prevention

The information presented in this Web Site is intended to provide guidance and is not intended as a legal interpretation of any jurisdictions laws, rules or regulations applicable to your business. The loss prevention information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Mid-Continent Group does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of Mid-Continent Group is limited to the terms, limits and conditions of the insurance policies underwritten by the members of Mid-Continent Group.

The information and descriptions of products and services contained in this Web Site are intended as general information and do not contain all of the terms, conditions, limits and exclusions applicable to the products and services offered by Mid-Continent Group. Mid-Continent Group may make improvements and/or changes in the products, services and/or programs described on this Web Site at any time without notice.

None of the information and descriptions contained in this Web Site should be viewed as an offer to sell or as a solicitation to purchase any of Mid-Continent Group’s products or services. Availability of the products and services described varies by jurisdiction. This is not intended as a solicitation or offer to sell an insurance product in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.

This Web Site does not amend, modify or supplement any insurance policy. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by Mid-Continent Group.

This Web Site does not make any representation that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limits and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this Web Site. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. In the event of a discrepancy between the descriptions on the Web Site and the insurance policy, the insurance policy shall control.

Third Party Sites

This Web Site may contain links to other internet sites ("third-party sites") that are not maintained by Mid-Continent Group. These links are provided solely for your convenience. Mid-Continent Group makes no warranties or representations about and disclaims any responsibility for the contents of any products or services offered in such third-party sites. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by Mid-Continent Group.

Warranties Disclaimers

The materials contained in this Web Site and in linked sites directly or indirectly accessible from this Web Site are provided without warranties of any kind, either express or implied, including but not limited to all implied warranties of merchantability or fitness for a particular purpose, title or non-infringement. Mid-Continent Group does not guarantee the accuracy, completeness, timeliness or availability of the content of this Web Site or any portal or service promoted on this Web Site. 

Submissions

All information that you submit to Mid-Continent Group via this Web Site shall be deemed, and remain, the property of Mid-Continent Group. To the extent any information submitted to Mid-Continent Group via this Web Site includes any intellectual property; you hereby assign it to Mid-Continent Casualty Company.  Mid-Continent Group shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this Web Site provides through this Web Site.  Mid-Continent Group shall not be subject to any obligations regarding such information except as expressly indicated in any applicable Privacy Statement(s) contained within the Web Site, agreed to by Mid-Continent Group having the direct customer relationship with the person providing the information, otherwise specifically agreed to in a separate writing, or if required by law. You further recognize that Mid-Continent Group does not want you to provide, and prohibits you from providing, any information or material to Mid-Continent Group that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity. Mid-Continent Group reserves the right to refuse to post material on the Web Site or to remove material already posted on the Web Site.

Indemnity

To the fullest extent permissible by applicable law, you agree to indemnify and hold Mid-Continent Group, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Mid-Continent Group by any third party due to or arising out of, or in connection with, your use of the Web Site.

Termination

We may, in our sole discretion, terminate or suspend your access to all or part of this Web Site and its contents for any reason, including, without limitation, your breach of these Terms and Conditions.

Privacy

You agree that we may collect, use and disclose any information that you provide in accordance with the terms of our Privacy Policy.

Surplus Lines

Surplus lines insurers do not generally participate in State Guaranty Funds and thus insureds are not protected by State Guaranty Funds. The surplus lines market is a brokered market providing flexibility in rate and form to meet customer needs for high risk and specialized insurance products. The surplus lines information on this Web Site is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation. Any inquiries regarding the surplus lines insurance should be directed through licensed insurance professionals.