These Terms of Service set out the agreement between you and POLICYGENIUS BGA LLC regarding use of this website and the information it publishes. The operating company is POLICYGENIUS BGA LLC, with its station at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US). Please read these terms before using the website or relying on any material published on it.
1. Acceptance of These Terms
By accessing or using this website, you agree to be bound by these Terms of Service and by the Privacy Policy that accompanies them. If you do not agree with any part of these terms, you should not use the website. Your continued use of the website after a change to these terms takes effect constitutes acceptance of the revised terms.
These terms apply to every visitor, whether you are reading the pages passively, sending an enquiry through the contact form, or corresponding with the underwriting desk. Where you use the website on behalf of an organization, you confirm that you have authority to bind that organization to these terms.
No separate agreement is created merely by browsing. A contract for coverage arises only when terms have been agreed and a binding has been issued, and it is governed by the policy document and any written agreement signed by the parties.
2. About the Company
POLICYGENIUS BGA LLC is a general agency and benefits underwriting desk that rates, binds and services coverage programs for boat owners, marinas, charter fleets and coastal small businesses. Its station is located at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US). The developer name associated with this website is PolicyGenius BGA, and the operating company is POLICYGENIUS BGA LLC.
The desk acts in a general agency capacity when placing risk with partner markets. It is not the carrier of the risk it places unless that is stated expressly in writing for a particular program. Where a partner market carries the risk, that market is responsible for the obligations of the insurer under the policy it issues.
You can reach the company by telephone at +16086533417 or by email at hello@policygeniusbga.lol. Written correspondence may be addressed to the station at the address above.
3. Eligibility to Use the Website
The website and the services it describes are intended for adults and for business users. By using the website, you confirm that you are at least the age of majority in your jurisdiction and that you have the legal capacity to enter into a binding agreement.
If you use the website on behalf of an organization, you confirm that the organization is properly formed and that you are authorized to act for it. If you are a broker or an agent acting for a client, you confirm that you have the authority to share information about the client and to receive communications on the client behalf where that is necessary.
We may decline to deal with any person or organization where we are required to do so by law or where dealing with that party would expose the desk to unacceptable risk.
4. Permitted Use of the Website
You may read, download and print material from this website for your own lawful purposes. You may not use the website in a way that interferes with its operation, that attempts to gain unauthorized access to any system or data, or that places an unreasonable load on our infrastructure.
You may not scrape, harvest or systematically extract content from the website without written permission, and you may not use automated tools to submit repeated enquiries or to probe the desk for information. You may not use the website to transmit unlawful material, to impersonate another person, or to misrepresent your identity or your authority.
Where you submit information through the website, you confirm that the information is accurate to the best of your knowledge and that you have the right to submit it. We may suspend access where we reasonably believe that use of the website is unlawful, abusive or attempts to compromise its security.
5. No Insurance Advice or Offer
The content of this website is provided for general information about the desk and the services it offers. It does not constitute insurance advice, a recommendation to buy or decline any product, or a binding offer of coverage. Only a written quotation and a bound policy can create coverage.
Insurance needs differ from one owner, operator and crew to the next. Nothing on this website should be relied on as a substitute for a written assessment of your particular circumstances. Where you need advice, contact the desk and we will review your situation in full before terms are discussed.
Descriptions of coverage, exclusions, rates and procedures on this website are summaries only. In the event of any inconsistency between a page on this website and the terms of a policy document, the policy document governs.
6. Quotations and Binding
A quotation issued by the desk states the terms on which we are prepared to seek coverage. A quotation is not itself a contract of insurance, and it may be withdrawn or corrected if the information on which it was based turns out to be inaccurate or incomplete.
Coverage begins only when a binding has been issued by the desk or by the partner market that carries the risk, and when any premium or deposit required for that binding has been paid or agreed in writing. Until then, no coverage exists, regardless of any discussion or draft document exchanged.
A quotation may carry an expiry date. Where a quotation expires, a fresh assessment may be required before coverage can be placed, because the condition of a risk or the market around it may have changed in the meantime.
7. Your Obligations and Accuracy
Underwriting depends on accurate information. You agree to provide complete and truthful information when you request a quotation, and to tell the desk promptly if any material fact changes or turns out to be different from what was provided, whether before a binding or during the term of a policy.
Material facts commonly include the vessel or premises details, the values insured, the use to which the risk is put, the loss history, and any survey recommendation that has not been carried out. A failure to disclose a material fact may entitle a market to reduce a claim, to vary the terms of a policy or to avoid it altogether.
You also agree to cooperate with the desk and with any market or adjuster during the assessment of a risk or the handling of a claim, and to keep records that support the information you have provided.
8. Intellectual Property
The content of this website, including its text, layout, graphics, styling and structure, is owned by POLICYGENIUS BGA LLC or used with permission, and it is protected by the intellectual property laws that apply to it. The name POLICYGENIUS BGA LLC and any associated marks belong to the company.
You may not copy, reproduce, republish, distribute or create derivative works from the content of this website for any commercial purpose without written permission from the company. You may quote short passages with a clear attribution to POLICYGENIUS BGA LLC, provided the quotation is accurate and is not presented in a way that misleads or damages the company.
Where content on this website belongs to a third party, that content remains the property of the third party, and any permission to use it must be sought from the owner.
9. Third Party Content and Links
This website may contain links to websites and resources operated by others, including partner markets, regulators and professional bodies. Such links are provided for convenience, and they do not imply that we control, endorse or take responsibility for the content or practices of the site that is reached.
We are not responsible for the availability, accuracy or legality of any third party resource. If you choose to follow a link away from our pages, you do so at your own judgment and subject to the terms that apply to the site you reach.
Where a third party provides content that appears on our pages, we present it in good faith. If you believe that content on our website infringes a right you hold, please contact the desk so that we can review the matter.
10. Website Availability
We aim to keep this website available and accurate, but we do not guarantee uninterrupted access. The website may be unavailable during maintenance, during a technical fault, or because of events outside our control, and content may be changed or removed without notice.
We may update the information on this website at any time, including descriptions of services, procedures and contact details. Where a change to a service affects an existing file, the desk will communicate the change to the parties involved.
We do not warrant that the website is free of errors or that it will be free of harmful components. You are responsible for using appropriate protections on the device you use to access the website.
11. Disclaimer of Warranties
To the fullest extent permitted by law, this website and its content are provided on an as is and as available basis. The company makes no warranty of any kind, whether express or implied, regarding the website or its content, including any implied warranty of merchantability, of fitness for a particular purpose, or of non infringement.
The company does not warrant that the content of the website is complete, current or suitable for your particular circumstances. Any reliance you place on the content is at your own risk, and you should obtain a written quotation before making any decision about coverage.
Nothing in these terms excludes or limits any warranty or right that cannot be excluded or limited under the law that applies to you.
12. Limitation of Liability
To the fullest extent permitted by law, POLICYGENIUS BGA LLC will not be liable for any indirect, incidental, special, consequential or punitive loss arising from or connected with your use of this website, including loss of profit, loss of business, loss of opportunity or loss of data.
Where liability cannot be excluded, the total liability of the company arising from your use of the website will not exceed the amount, if any, that you have paid to the company for the use of the website. Nothing on this website is a payment for the website itself, which is provided without charge.
Nothing in these terms limits liability for fraud, for wilful misconduct, or for any other liability that the law does not permit to be limited. Where a policy has been issued, the obligations of the parties in respect of a claim are governed by that policy and not by this section.
13. Indemnity
You agree to indemnify and hold harmless POLICYGENIUS BGA LLC, its officers, employees and agents against any loss, liability, cost or expense arising from your breach of these terms, from your misuse of the website, or from any claim that information you submitted was unlawful or infringed the rights of another person.
This indemnity applies only to the extent that the loss or claim results from your own conduct and not from the conduct of the company. Where a matter is covered by a policy of insurance, the terms of that policy determine how the loss is met.
We may, at our own expense, participate in the defence of any matter to which this indemnity relates, and you agree to cooperate reasonably with that defence.
14. Privacy and Data
Our handling of personal information is described in the Privacy Policy that accompanies these terms, which is incorporated into this agreement by reference. The Privacy Policy explains what we collect, why we collect it, how we share it and how you can exercise your rights.
By using the website or sending information to the desk, you acknowledge the privacy practices described in that policy. Where a partner market receives information from us, that market will handle it under its own notice.
Questions about privacy may be directed to hello@policygeniusbga.lol or to the station at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US).
15. Suspension and Termination
We may suspend or terminate your access to the website at any time where we reasonably believe that your use breaches these terms or the law, or where suspension is necessary to protect the website, the desk or another person. Where it is practicable, we will give a reason for such a step.
You may stop using the website at any time. Ending your use of the website does not affect any coverage that has already been bound, and it does not remove obligations that arose before you stopped using it. Sections that by their nature should survive, such as those dealing with intellectual property, liability and governing law, continue to apply after termination.
Where an existing policy is in force, the policy remains in effect according to its own terms and is not affected by the suspension of website access.
16. Governing Law and Disputes
These terms are governed by the laws of the State of Connecticut and the applicable federal law of the United States, without regard to conflict of law principles. The courts located in the State of Connecticut have jurisdiction over any dispute arising from these terms, unless a mandatory rule of the law that applies to you provides otherwise.
Before starting formal proceedings, the parties agree to try in good faith to resolve any dispute through discussion. A written notice of a dispute may be sent to the station at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US), and we will respond within a reasonable period.
Where a dispute concerns a claim under a policy, the dispute resolution procedure set out in that policy applies instead of this section, to the extent of any inconsistency.
17. Changes to These Terms
We may update these terms from time to time to reflect changes in our practices, in the services we offer or in the law that applies to us. When we make a material change, we will update the effective date at the top of the page and, where appropriate, provide a more prominent notice.
The version published on this page is the current version and replaces any earlier version. It is your responsibility to review these terms periodically. Your continued use of the website after an update takes effect indicates your acceptance of the revised terms.
If any provision of these terms is found to be unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
18. How to Reach Us
Questions about these terms, or about the services offered by the desk, are welcome at any time. The fastest routes to the desk are email and telephone during business hours.
- Organization: POLICYGENIUS BGA LLC
- Address: 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US)
- Email: hello@policygeniusbga.lol
- Phone: +16086533417
We aim to answer every enquiry clearly and in the order it arrives. Where a matter concerns an existing policy, please include the policy reference so that the desk can pull the file directly.