Terms and Conditions

Introduction
Use of Website
Privacy Policy
E-Mail
Information You Submit
Copyrights/Trademarks
Links and Third Party Sites
No Professional Advice
Social Media Terms of Use
Disclaimer of Warranties
Governing Law and Severability Provisions
Termination
Changes to this Document
Limit of Liability
Indemnity
Registration and Security
Additional Terms

Introduction

This document outlines the terms and conditions that govern your use of the information, materials, resources, links, services, and mobile applications ("mobile apps") made available from time to time, found at federatedinsurance.com (the "website" or "site") and provides additional information regarding Federated Mutual Insurance Company, its affiliates, and subsidiaries ("Federated," "We," "Our"). Your use of this website is conditioned upon acceptance of these Terms and Conditions. If you do not agree to the terms below, please do not use this website or send e-mail to anyone at federatedinsurance.com. You agree to regularly review these terms and conditions and agree that continued use of this website following any changes will constitute acceptance of such changes.

Your use of the website shall be deemed acceptance of these Terms and Conditions.  Federated also operates a separate website entitled mySHIELD® available at myshield.federatedinsurance.com and through the Federated mySHIELD mobile application (collectively, “mySHIELD”) where clients and their trusted employees and business advisors can gain access to secure information.  In order to gain access to mySHIELD, clients, their employees and business advisors must register.  Use of mySHIELD shall be subject to the terms contained in the mySHIELD Terms and Conditions and you are required to agree to those terms when enrolling. For clarity, these Terms and Conditions apply only to federatedinsurance.com and the mySHIELD Terms and Conditions shall be separate, governing only the use of mySHIELD. 

Federated reserves the right, in its sole discretion, to modify without prior notice: 1) this website, including the content and design of this site, 2) the services, materials and mobile apps provided on this website, and 3) these Terms and Conditions. Your continued use of the site is acceptance of any changes to the Terms and Conditions.

Use of Website

Federated owns and operates this site and provides the services and information located at this domain name (federatedinsurance.com) for your use. This site is directed to persons and entities, their authorized employees and business advisors conducting business in the United States. It is not directed at individuals under 18 years of age or any person or entity for whom our services or products are unavailable or are otherwise contrary to laws or regulations, whether due to nationality, citizenship, residence, location, or otherwise. We do not warrant or represent that the content or materials contained in this site are available or appropriate outside of the United States.

You may not use this site to conduct illegal activity, including defamatory, libelous, malicious, or harassing behavior. You agree not to use the site, or any links or mobile apps included in this site, to: (a) transmit any material that infringes or misappropriates any third party's copyright, trademark, trade secret, patent or other proprietary rights; (b) transmit any material that is false, inaccurate, fraudulent, or misleading, (c) distribute computer viruses, worms, or software intended to damage or alter a computer system without Federated’s consent, (d) transmit any private, unlawful, harmful, defamatory, pornographic, obscene, vulgar, threatening, harassing or otherwise objectionable material, (e) send or relay any unsolicited advertising or chain letters, (f) exceed your permitted access or attempt to gain unauthorized access to the website, link, or mobile apps, or any part thereof, or other accounts, computer systems or networks, through login password mining or any other means, (g) resell use of, or access to, the site to any third party without Federated's prior written consent, or (h) to upload or distribute documents or other information which are not authorized to upload or distribute. Federated reserves the right to terminate your access to the website, at any time without notice if we determine, in our sole discretion, that you have abused or violated any of these Terms and Conditions. You agree that the information you provide will be accurate and truthful.

Except as otherwise provided, you may view, use, download, or print small portions of the content of the website for your informational, and internal business use in connection with managing the risk of your business provided you leave all copyright and other proprietary notices intact. You may not make commercial use of any portions of the content of this website, or the design or layout thereof.  You may not store, modify, reproduce, republish, transmit, reverse engineer, or distribute significant portions of the content of this website, or the design or layout thereof, except as otherwise provided.

This website provides general information about Federated's products and services, and on occasion, services of third parties that may be of interest to you. All products and services may not be available in all states.  This information is not an offer to sell insurance or a solicitation to buy. The materials and information herein are not a complete description of the terms and conditions of a particular product or service. Federated provides this information with the understanding that neither Federated nor its employees provide legal or other expert advice. You are not a client of Federated merely by visiting this website. Federated does not intend to provide information on this website to suit your specific circumstances and needs. Please contact a Federated Marketing Representative to further discuss your needs.

We take measures to provide you with accurate information. If you believe that any personal information we have about you is not accurate, please contact Federated Insurance via e-mail or phone: 1-800-533-0472 or 1-507-455-5200 between 7:00 a.m. to 4:30 p.m., Central Standard Time, Monday through Friday. Any questions regarding the use of this site should be directed to the same.

Privacy Policy

Federated's Privacy Policy and Notice of Privacy Policy may be viewed online. Federated is committed to abiding by all laws regarding privacy and consumers' privacy interests. If you are a policyholder entitled to notice of our privacy policies, such notice is provided in connection with the insurance policy issued to you. The privacy notice and/or privacy policy provided in your insurance policy is in addition to the online Privacy Policy. Changes to the online Privacy Policy may be made at any time as provided above.

E-Mail

E-mail submissions over the Internet may not be secure and are subject to possible interception by third parties. Consider this as you transmit messages over the Internet. You are not authorized to submit or transmit e-mails through the Web site that: 1) are numerous, unsolicited, or commercial, 2) are defamatory, threatening, obscene, or harassing, 3) contain a virus, worm, Trojan horse, or other harmful component, 4) incorporate copyrighted or other proprietary material for which you do not have permission, or 5) violate other applicable laws.

Information You Submit

We use the information you submit to Federated by e-mail, through our website, mySHIELD and other pages we may add periodically, to respond to your inquiries for information and services. Our use of this information is subject to our Privacy Policy and Notice of Privacy Policy . However, Federated reserves the right to disclose information it determines, in its sole discretion, to be necessary to satisfy any law, regulation, or governmental request or to avoid liability for Federated or any third party.

You agree to provide current, true, accurate information in connection with your use of this website. You agree to not use a false or misleading name for which you are not authorized.

You agree that any and all suggestions, comments and feedback that you submit to Federated related to the website or other Federated products and services (“Feedback”) shall be deemed non-confidential, except as otherwise specifically agreed or required by law.  Feedback may include, but shall not be limited to, ideas for new or improved products or services, concepts, knowhow, techniques, or functionality.  Federated shall be free to use any Feedback without restriction or payment to you of any kind. 

Copyrights/Trademarks

The Federated "shield" logo, the terms Federated®, Federated Insurance®, mySHEILDSM, and phrases such as It's Our Business to Protect Yours®, among others, as well as all logos and graphics using Federated's name are the intellectual property of Federated and/or are registered trademarks of Federated. Federated's logo and marks may not be used without express written permission.

Except as otherwise noted, all materials on this website, including text, graphics, design, layout, audio, and video are the property of Federated or are used with permission of third party licensors and are protected by copyright or other intellectual property laws. Except as provided above in the section "Use of Website," you may not use, reproduce, transmit, or distribute any of the information or material on any other site, in the metatags of any other site, or in any other material. You are not permitted to modify, create derivative works, distribute, or otherwise use any material within this website, except as provided herein.

Links and Third-Party Sites

Federated provides links to other sites and mobile apps via this website for your general information as well as potential services available to you from Federated and other third parties. The linked information and services provided are intended to be general risk management advice. Federated provides information and links relating to these services with the understanding that neither Federated nor its employees provide legal, tax, safety, employment, or other expert advice. The information and services provided by Federated and some of the third parties may be subject to, and are not a substitute for, any foreign, federal, state or local laws, regulations or other restrictions that may apply to you or your business. Qualified counsel should be sought with questions specific to your circumstances and applicable law. 

Because third party websites and/or applications, including mobile apps, are not under our control, Federated cannot confirm, verify, guarantee or edit the content of any third party website or application. Any third party website or application is subject to the terms and conditions of the relevant third party provider. Please refer to the third party’s terms of use, privacy policies, and other rules posted on these third party linked sites before you use them.  All services obtained by you through these third party websites or providers are provided for your convenience only and are not an approval or endorsement of the company, products or services to which this website links. Federated does not control and is not responsible for these sites, the accuracy of the content, or the privacy or security of the sites. You are encouraged to conduct your own evaluation of the appropriateness, applicability and usefulness of the third party website or mobile app. Qualified professional advisors should be sought regarding questions specific to your circumstances. Your access to and use of any other websites linked to or from the Federated website is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time.

FEDERATED DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, TO ANY SUCH LINKED SITES OR THEIR SERVICES, INCLUDING BUT NOT LIMITED TO ANY TERMS AS TO THE ACCURACY, OWNERSHIP, VALIDITY, OR LEGALITY OF ANY CONTENT OF A LINKED SITE OR MOBILE APP.

You agree to contact Federated at federatedinsurance.com to advise us that you are linking to our website. You may not place Federated's pages in a frame on your own site. Nor may you attempt to pass off Federated's content as your own. If you wish to republish a major portion of any Federated content, contact Federated at federatedinsurance.com to obtain permission.

No Professional Advice

The risk management content contained on the website is for general information and risk management only and should not be considered legal or other expert advice.  The information and recommendations therein may help reduce, but are not guaranteed to eliminate any or all risk of loss.  Any sample checklists, policies and/or forms are not intended to cover or identify all possible risk exposures and, since each business situation is unique, should be edited to meet your specialized circumstances and needs.  Coverage for actual claims will be determined by the facts of the claim and the terms of your policy, if approved for issue.  The information and recommendations on the website may be subject to, and are not a substitute for, any laws or regulations that may apply.  While the information in the website is believed to be accurate as of the time it is posted, all information is subject to change.  Further, Federated does not warrant the accuracy or completeness of the information in the website.  Some of the information, products and services referenced in the website are provided by third parties wholly independent of Federated.  Federated provides its clients and their employees and business advisors with access to these products and services with the understanding that neither Federated nor its employees provide legal or other expert advice.  Qualified counsel should be sought with questions specific to your circumstances.   

Social Media Terms of Use

Read our Social Media Terms of Use , which sets out our terms for your use of Federated’s social media sites, which currently spans Federated’s Facebook, Twitter, and LinkedIn.

Disclaimer of Warranties

This website and its content, including services (including third party services), materials, information, and tools are provided to you "as is" without any warranty of any kind, express or implied, including, without limitation, the implied warranties of merchantability, accuracy, systems integration, non-infringement, and fitness for a particular purpose. Federated makes no warranty as to the accuracy, completeness, currency, or reliability of the content of this or any linked site. Nor will Federated be liable for delay in updating the website. We do not warrant that the website will operate error-free or uninterrupted. Any risk arising from the use or performance of the services, information, materials, software, or other items remains entirely with you, and Federated shall not be liable for any damages arising from your use of the website.

Governing Law and Severability Provisions

This website, and any action arising hereunder or related to use of this website, is governed by the laws of the State of Minnesota without giving effect to any principles of conflict of laws.  Any legal action arising hereunder or related to the use of this website must be filed in the State of Minnesota. If any provision of this agreement shall be held invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect the validity of the remaining provisions which shall remain intact and enforceable.

Termination

Federated reserves the right to terminate the right of any user to access the website at any time, with or without cause, and without notice.

Changes to this Document

The content of this website and these Terms and Conditions or other policies that govern the use of this website are subject to change without notice including termination of the Services or any part of the service. You should review these Terms and Conditions periodically for changes. If you use the site after we post changes to the Terms and Conditions, you agree to the changed Terms and Conditions.

Limit of Liability

To the extent permitted by law, Federated disclaims 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 out of functionality or use of this website or its products, risk management materials, services, or any other link we provide to another site even if Federated is expressly advised of the possibility of such damages.

We will not be liable for any delay, difficulty in use, incompleteness of information, computer viruses, malicious code, loss of data, or compatibility issues that you may encounter while using this website. You use this website at your own risk. You assume full responsibility for using this site, which is provided without warranty of any kind, express or implied.

In the event the foregoing or any portion thereof is deemed unenforceable, Federated's aggregate liability for any cause of action arising out of or related to the use of the website shall be limited to direct damages actually incurred up to $300.00. Since some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Indemnity

You agree to indemnify, defend, and hold Federated harmless, and at our request, to defend us from and against all claims, demands, causes of action based upon or arising out of: 1) your use of the website and/or the content therein, 2) your violation of these Terms and Conditions, 3) the infringement, by you or anyone using your password, of the intellectual property rights of any person or entity and 4) your use of third party websites or mobile apps that may be linked to the Federated website.

Additional Information about Federated Mutual Insurance Company

Federated conducts business in most states of the United States of America. Its Home Office is located at 121 East Park Square, Owatonna, Minnesota 55060.

Not all products and services are available in all states. You may not be eligible for all products, and Federated reserves the right to determine your eligibility as permitted by law. Some products and services may be subject to specific terms and conditions. See the relevant portions of this website for further information on specific products and services.

The Federated Insurance Companies are domiciled in the State of Minnesota and are licensed as follows:

  • Federated Mutual Insurance Company, licensed in all states and the District of Columbia, except Hawaii, NAIC Code 13935.
  • Federated Life Insurance Company, licensed in all states except Alaska and Hawaii, NAIC Code 63258.
  • Federated Service Insurance Company, licensed in all states and the District of Columbia except Hawaii, New Hampshire (license pending), New Jersey (license pending), and Vermont, NAIC Code 28304.
  • Federated Reserve Insurance Company, licensed in all states except California, Hawaii, and Vermont.  NAIC Code 16024
  • Granite Re, Inc. (Granite Re, Inc. operates in California as Granite Surety Insurance Company), licensed in all states and the District of Columbia except Alaska, Hawaii, New York.  NAIC Code 26310.

Registration and Security

You also agree not to introduce a computer virus into this site or to do anything else that would damage this site. Unauthorized use of the website or any portion thereof is prohibited. Actual or attempted unauthorized use of or access to the website or any portion thereof may result in criminal and/or civil prosecution. All access to this website may be viewed, monitored, and recorded. This information may be used, among other things, in the investigation of unlawful behavior using this website and you release Federated from all liability related to its monitoring activities of this website. If you do not consent to this monitoring, you should not use or attempt to access this website.

Additional Terms

Federated operates and controls this website in the State of Minnesota.  No failure to exercise and no delay in exercising, by Federated, any right, power or privilege hereunder shall operate as a waiver, except as expressly provided herein. Any waiver by Federated of a breach of any provision of these Terms and Conditions shall not be deemed to be a waiver of any other or subsequent breach and shall not be construed to be a modification of the Terms and Conditions unless and until agreed to in writing by Federated.  These Terms and Conditions and the other policies and terms posted on this website set forth the entire agreement between you and Federated on this subject matter. Notwithstanding the foregoing, these Terms and Conditions apply to your use of this website and do not change or alter any other contract or agreement you may have with Federated or any other terms applicable to other websites owned or operated by Federated.  These terms are effective August 31, 2020.