Terms and Conditions

Conditions of Use

By using this website and other OneBeacon sites that are linked to 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 and should periodically visit this page to review the most recent Terms and Conditions.

Copyright and Trademarks

These websites are owned by OneBeacon. Unauthorized use of these sites, and/or the materials contained therein may violate applicable copyright, trademark or other laws. No part of the materials made available on these websites may be reproduced, stored in a retrieval system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval. Materials displayed on these websites may be downloaded for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials are retained.


The information and descriptions contained in these websites are provided solely for informational purposes, and are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by OneBeacon. The materials on these websites are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible under applicable law, OneBeacon and its affiliates and distributors disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. OneBeacon does not warrant or make any representations regarding the accuracy, completeness, currency or reliability of any of the content on these websites, nor does it warrant or represent that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

Limitation of Liability

OneBeacon assumes no responsibility and shall not be liable for any damage to your computer equipment or other property as a result of your access to, use of, or browsing in these websites, or your downloading of any materials, data, text, images, audio and video from these site 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. You, and not OneBeacon, assume the entire cost of all necessary servicing, repair or correction.

Under no circumstances, including, but not limited to, negligence, shall OneBeacon be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind that arise from the use of, or the inability to use, these websites or the materials on these websites, whether based on warranty, contract, tort or any other legal theory, and even if OneBeacon has been advised of the possibility of such damages.

Notwithstanding the foregoing, if OneBeacon should be found liable for any loss or damage which arises out of or is in any way connected with any of the above described functions or uses of these sites or their content, OneBeacon's liability, where permitted by law, shall not exceed, in the aggregate, the greater of

  1. the amount paid by you to access these sites, or
  2. US $100.00


This website may be linked to other websites which are not maintained or controlled by OneBeacon. OneBeacon is not responsible for the content of those websites. The inclusion of any links does not imply approval or endorsement by OneBeacon of those websites or their content. If you decide to access other websites, you do so at your own risk.


You shall indemnify and hold OneBeacon, its affiliates, successors in interest, officers, directors, employees and agents harmless from and against any claim, cause of action or demand, including without limitation reasonable legal fees, brought by or on your behalf in excess of the liability described herein or by third parties as a result of your use of this site.


OneBeacon Privacy Policy may be accessed here. The Policy explains what information OneBeacon may collect from you including financial information used for payment transactions if you decide to provide such information, and how we will use and protect that information.

Governing Law

These terms and conditions of this Agreement shall be governed by and interpreted according to the laws of the Commonwealth of Massachusetts, without giving effect to Massachusetts' conflict of law principles.


If any provision of this Agreement shall be determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions.


OneBeacon reserves the right to terminate your access to any OneBeacon secured site at any time.