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Legal Notices
Notice
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Northland.
It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy.
Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law.
Availability of coverage referenced in this document can depend on our underwriting qualifications and state regulations.
Please read the following terms and conditions carefully. The terms and conditions of this disclaimer may be revised from time to time and it is the website user's obligation to read these terms and conditions. By accessing this site you agree to be bound by these terms and conditions.
Laws and Regulations
Access to and use of this website is subject to applicable federal,
state and local laws and regulations.
Copyright
The content of this website is protected by copyright. All rights
in the pages, site content and arrangement are owned by Northland Insurance
and its subsidiaries or their licensors, if any. Website
users are prohibited from modifying, copying, distributing, transmitting,
displaying, publishing, selling, licensing, creating derivative
works of or using any website content for commercial or public purposes.
Trademarks and Service Marks
Trademarks, service marks and logos displayed on this website
are either the property of Northland Insurance and its subsidiaries
or affiliates, or licensors, if any. Website users are prohibited
from using any of the trademarks, service marks and logos without
the prior written consent of Northland Insurance, its subsidiaries/affiliates,
or the third party owners.
No Warranties
Northland Insurance and its subsidiaries expressly disclaim
any liability, whether in contract, tort, strict liability or otherwise,
for any direct, indirect, incidental, consequential or special damages
arising out of or in any way connected with any website user's access
to or use of the site, whether or not Northland Insurance and
its subsidiaries were aware of the possibility of such damages.
Limitation of Liability
All information on this website, including but not limited to
graphics, text and links to other websites, is provided "as is"
and is subject to change without prior notice. Such information
is provided without warranty of any kind express or implied, including
but not limited to implied warranties of merchantability, fitness
for a particular purpose, non-infringement, and freedom from computer
viruses or similar disabling devices.
Information on this website may include references to products or services not
offered in your state or country or not available for purchase over
the Internet in your state or country. Such references do not imply
that Northland Insurance and its subsidiaries will make those
products or services available in your state or country.
The information contained on this website is not an offer to sell or a solicitation
to buy any security or any insurance product. No security or other
insurance product is offered or will be sold in any jurisdiction
in which such offer or solicitation purchase or sale would be unlawful
under the securities, insurance or other laws of such jurisdiction.
Northland Insurance and its subsidiaries do not warrant the adequacy, accuracy
or completeness of any information on this website and expressly
disclaim any liability for errors or omissions therein. Website
users are responsible for evaluating the accuracy, completeness
or usefulness of any information, advice or other content available
on this website. Other than as required by applicable consumer protection
law or insurance law, under no circumstances will Northland Insurance
or its subsidiaries be liable for any loss that you incur
as a result of your reliance on information obtained through this
website.
Linked Internet Sites
Northland Insurance and its subsidiaries are not responsible
for the content of any other Internet sites linked to this website.
A link to another site does not imply that Northland Insurance
or its subsidiaries endorse that site or any products or services
that it describes. Users of this website who access and/or use any
other Internet sites linked to or from this website is at the users
own risk and Northland Insurance and its subsidiaries do not
assume any obligation or liability in connection therewith.
Communications/Materials Transmitted From Website Users
The substance of any communication, including but not limited
to ideas or suggestions, transmitted to this website via electronic
mail or otherwise by any website user will be treated as nonconfidential
and nonproprietary and will become the property of Northland. Such information
may be used by Northland for any purpose, including but not limited to,
marketing, disclosure and posting. If there is any information that
a website user would not want disclosed, such information should
not be transmitted to this website.
Privacy Policy
Privacy Of Personal Identifiable Information Submitted to Website
We do not give or sell our customers' personal information to others for
marketing purposes. You don't have to ask us to keep your information private
because we do not give your information, unless allowed.
Producer Compensation Disclosure
Important Notice Regarding Independent Insurance Representative Compensation
Northland Insurance Companies makes its insurance products primarily available through independent wholesale general agents. We call these independent wholesale general agents "program managers." Program managers are not employees of Northland, but rather independent businesses. However, program managers may receive compensation from us for placing your insurance with Northland. This is an overview of how we compensate program managers.
We design our compensation system to encourage program managers to sell our products, assist us in evaluating risks and maintain a volume of profitable business with us. Our compensation programs fall into two basic types: 1) Commission; and 2) Program Manager Incentive Commission.
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Commission
We generally pay program managers a fixed commission for business placed with us. We pay commission on new and renewal policies. This commission is usually a fixed percentage of the premium a policyholder pays. The percentage varies according to factors such as the type of business, type of risk and the state where a risk is located.
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Program Manager Incentive Commission
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Program manager incentive commission provides for payment when the program manager achieves pre-set goals. We normally evaluate performance against the pre-set goals annually. If the program manager has met their goals, the payment amount is usually a percentage of the premium a program manager has placed with us for specific types of insurance. Not all program managers who place business with Northland receive contingent commission.
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A program manager incentive commission plan generally uses several separate goals in combination to determine if a program manager will receive a payment. These goals may include:
Profitability
We measure a program manager's profitability by comparing losses to premium on the policies the program manager placed with us for specific types of insurance. The policies the program manager has placed with us must achieve a pre-set ratio of losses to premium to be considered profitable.
Volume
We measure the premium volume of policies a program manager has with us. We may measure one or more types of insurance.
Growth and Retention
We measure whether the amount of business a program manager has with us is increasing or decreasing. We may look at change in premium volume, change in the actual number of policies, number of newly written polices or a combination of these. This may vary by type of insurance.
Additional Information
If you would like additional information regarding compensation arrangements applicable to your account, please contact your agent or broker directly.
Please Also Read Travelers Privacy Statements
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