Terms and Conditions

Effective Date: 12/15/04
Last Updated: 06/10/08

Conditions of Use

By using this website (, you agree to the following terms and conditions. These terms and conditions may be revised at any time. 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. If you decide to purchase insurance products or services from Explorer Insurance Company, the terms and conditions specified in your policy or agreement with Explorer Insurance Company will apply.

Links to Other Websites

This website is hyperlinked to other websites which are not maintained or controlled by Explorer Insurance Company. Explorer Insurance Company is not responsible for the content of those websites. The inclusion of any hyperlinks to such websites does not imply approval of or endorsement by Explorer Insurance Company of those websites or their content. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please contact us.

Restrictions on Use of Materials

This website is owned and operated by Explorer Insurance Company. Except as otherwise expressly permitted in writing by Explorer Insurance Company, no materials from this website or any website owned, operated, licensed or controlled by Explorer Insurance Company may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only, provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Explorer Insurance Company’s written permission.


The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by Explorer Insurance Company, but are provided “as is” and for general informational purposes.

Explorer Insurance Company makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

Explorer Insurance Company does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code.

Explorer Insurance Company 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 any materials, data, text, images, video, or audio 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.

Limitation of Liability

Your use of this website is at your own risk. To the maximum extent provided by law, Explorer Insurance Company will not be liable to you for damages of any kind whatsoever. These include, but are 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 that may result from your use of or inability to use this website or from the materials or services provided on this website. Exemptions of implied warranties may not be allowed in all jurisdictions.

Jurisdictional Issues

Explorer Insurance Company 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. Use of this site will be governed and construed in accordance with the laws of the State of California.


Please review Explorer Insurance Company’s Privacy Policy which may be accessed at The Privacy Policy explains what information Explorer Insurance Company may collect from you if you decide to provide such information, and how we will use and protect your information.