Terms and Conditions of Use
By using this website, you agree to the following terms and conditions. Please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms and conditions.
As used herein, the term “MEMIC” means The MEMIC Group and Maine Employers’ Mutual Insurance Company and its affiliates, MEMIC Indemnity Company and MEMIC Casualty Company.
If you purchase insurance products or services from MEMIC the terms and conditions specified in your policy or agreement with MEMIC will apply.
Products and Services Provided by MEMIC
MEMIC provides workers’ compensation and related employer insurance products and services in many states within the US. Below is a list of the states in which each company is authorized to write workers’ compensation insurance and/or employers’ liability insurance and employment practices liability insurance policies.
Maine Employers’ Mutual Insurance Company is authorized to write workers’ compensation and employers’ liability insurance policies in Maine, Connecticut, Delaware, Illinois, Massachusetts, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Virginia, and Vermont.
Maine Employers’ Mutual Insurance Company is authorized to write employers’ liability insurance in Ohio and Washington.
Maine Employers’ Mutual Insurance Company is authorized to write employment practices liability insurance in Maine.
MEMIC Indemnity Company is authorized to write workers’ compensation and employers’ liability insurance policies in Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and the District of Columbia.
MEMIC Indemnity Company is authorized to write employers’ liability insurance in North Dakota, Ohio, Washington and Wyoming.
MEMIC Indemnity Company is authorized to write employment practices liability insurance in New Hampshire.
MEMIC Casualty Company is authorized to write workers’ compensation and employers’ liability insurance policies in Vermont, New Hampshire, New York, Pennsylvania, Florida, Maryland and Virginia.
Restrictions on Use
This website is owned and maintained by MEMIC. It contains proprietary software, graphics, text, images, and other material (collectively “Content”) that is protected by copyright and other laws. You may copy and use the Content for your own use, (e.g., post a link to or otherwise call attention to our content) and you may share the Content (e.g., press releases) with persons whom you believe may be interested in reading it, provided in each instance you do not remove any copyright and other proprietary notices contained on the Content. Except as otherwise provided herein, you may not distribute, modify, transmit, reuse, repost, link or use the Content for public or commercial purposes without MEMIC’s written permission. All trademarks, service marks, trade names, logos, icons, and domain names located on this website are the property of MEMIC or others. Your use of the trademarks, service marks, trade names, logos, icons, and domain names displayed on this website is strictly prohibited.
Links to Other Websites
MEMIC’s website contains links to websites belonging to third parties. These websites are not controlled or maintained by MEMIC and may contain separate terms and conditions of use and privacy policies. MEMIC is not responsible for the content of those websites.
The Content on this website is not intended to provide complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by MEMIC, but is provided ‘as is’ and for general informational purposes.
MEMIC makes no representation that all insurance products and services on this website are appropriate or available for use in your state. Some insurance products and services may not be available in all states or jurisdictions. If you choose to access this website you do so on your own initiative and are 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 insurance product or service. No insurance 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 the insurance or other laws of such jurisdiction.
MEMIC makes no representations or warranties that the Content is suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. MEMIC does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. MEMIC also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of Content from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.
MEMIC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
Limitation of Liability
To the maximum extent provided by law MEMIC shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the Content or services provided on this website or the products or services received from this website.
Use of this site shall be governed by, and these Terms and Conditions of Use shall be construed in accordance with the laws of the State of Maine.
For questions concerning these Terms and Conditions of Use, please contact MEMIC’s Senior Vice President, External Affairs at 261 Commercial Street, Portland, ME 04104 or by calling 1-800-660-1306.
Updated January 6, 2016