TERMS AND CONDITIONS OF USE 

Last Updated May 4, 2021 

This online portal (“Site”) is owned and operated by New Paradigm Underwriters, LLC (sometimes referred to as New Paradigm, we, us or our). These Terms and Conditions of Use (the “Terms of Use”) govern your access to and use of the Site and the products or services made available through the Site. These Terms of Use are a legal contract between you and us. By accessing or using the Site or facilitating any products or services through the Site, you hereby agree to these Terms of Use. If you do not agree with these Terms of Use, you may not use the Site or seek to procure products or services through the Site. These Terms of Use are in addition to, and do not modify or replace, the terms and conditions of any agreement between you and New Paradigm. 

These Terms of Use are effective as of the “Last Updated” date specified above. We may change these Terms of Use at any time. Your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms. 

About New Paradigm 

New Paradigm Underwriters, LLC is located in Ft. Lauderdale Florida and is licensed as a Managing General Agency or other producer (National Producer #17009181) in many states. New Paradigm designs and places certain parametric insurance programs where authorized to do so. In some states, the parametric programs are offered on a non-admitted basis (surplus lines) basis and must be placed through licensed surplus line brokers in accordance with applicable surplus lines laws. 

You can find the details of our entity and agency licensing in the table below.

The delivery of the information on or through the Site is not intended as a solicitation for the purchase of insurance in any jurisdiction where such solicitation would be unlawful. The products and their availability, terms and price will vary by factors such as the location of the risk to be insured. 

New Paradigm is not an insurance company. The availability and pricing of products and services available through the Site is subject to guidelines established by the applicable insurers. Any premium quotes provided through, or as a result of using, the Site are non-binding and are provided for informational purposes only. The final premium and policy terms can be determined only through submission of a complete application for insurance and notification of acceptance, in writing, from New Paradigm or the applicable insurer. You are not authorized to produce or disseminate, to any person, any binder, certificate of coverage, policy or other document or information purporting to provide coverage or convey evidence of coverage without the prior written approval of New Paradigm or the applicable insurer. 

Intellectual Property 

The Site contains information such as text, graphics, images, and other material (collectively, “Content”). The Content is owned by us and is protected under intellectual property laws. The Content includes, but is not limited to, trademarks, service marks, and logos on the Site, whether registered or unregistered. You shall not: (i) use our trademarks, service marks or logos without our written permission in each instance; (ii) remove any copyright or other proprietary notices contained in the Content; (iii) copy, sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or (iv) use or post the Content on any other website or in any other environment. You also agree that you will not use the Site in any manner that could damage or overburden our software or equipment. You may not use any means of systematic retrieval of data or other content from the Site. 

Disclaimer and Limitation of Liability 

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE. 

THE RESULTS OF THE SITE ARE BASED ON INFORMATION PROVIDED BY YOU. WE ARE NOT RESPONSIBLE FOR AN ERRORS IN THE INFORMATION PROVIDED TO US. THE RESULTS OF THE SITE ARE PROVIDED FOR YOUR GENERAL INFORMATION AND EDUCATION ONLY. THEY DO NOT CONSTITUTE THE ADVICE OR RECOMMENDATION OF NEW PARADIGM. THE NEEDS OF EACH PROSPECTIVE INSURED MAY DIFFER FROM WHAT IS PRESENTED ON THE SITE OR AVAILABLE THROUGH PRODUCTS OFFERED BY US. YOU ARE RESPONSIBLE FOR DISCUSSING WITH EACH PROSPECTIVE INSURED THE APPROPRIATENESS OF THE PRODUCTS FOR THEIR RESPECTIVE SITUATIONS. ALTHOUGH WE USE COMMERCIALLY REASONABLE EFFORTS TO ENSURE THAT THE RESULTS OF THE SITE ARE ACCURATE, NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, IS GIVEN WITH RESPECT TO THEIR ACCURACY OR WITH RESPECT TO THE ACCURACY OF ANY OTHER CONTENT. 

ANY AND ALL INSURANCE PRODUCTS QUOTED THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURER PROVIDING SUCH PRODUCTS. 

IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE.

Indemnification 

You agree to defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site. 

Termination 

We may terminate these Terms of Use and your access to all or any part of the Site at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site at any time without prior notice or liability. 

Miscellaneous 

In the event that any provision of these Terms of Use is held to be invalid or unenforceable, such provision shall be construed consistently with applicable law and as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect. No waiver of these Terms of Use shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use. These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida without giving effect to any principles of conflicts of laws.