When we refer to “we,” “us,” or “our,” we mean Auto-Owners Insurance Company or any other affiliated company within the Auto-Owners Insurance Group^SM, which includes Auto-Owners Life Insurance Company, Home-Owners Insurance Company, Owners Insurance Company, Property-Owners Insurance Company, Southern-Owners Insurance Company, Concord Group Insurance, Atlantic Casualty Insurance Company, and Capital Insurance Group.

When we refer to “you,” “your,” or “user,” we mean the person accessing this site. If the person accessing this site does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.

When we refer to “Agency”, we are referring to the independent agency which employs the person accessing this site.

These are the terms and conditions (“Agency Terms of Use”) that apply to the Auto-Owners agency portal (“site(s)”) whether accessed through the internet or any other electronic means.

By accessing this site, continuing to access this site, or downloading materials from this site, you agree to abide by these Agency Terms of Use described in this notice. If you do not agree to abide by these Agency Terms of Use, do not use this site or download materials from this site. 

The Agency is an independent contractor and nothing herein shall be construed to create the relationship of employer and employee, joint venturers or a legal partnership between Company and Agency, or any individual who represents, is employed by, or otherwise affiliated with the Agency. The Agency shall bear all of the Agency's own expenses in the transacting of business on behalf of the Agency and the Company. The Company shall bear none of the expenses incurred by the Agent.  The Agent shall be free to exercise the Agent's own judgment as to the persons from whom the Agent will solicit insurance, the time and place of solicitation, and the methods and means of solicitation, subject only to the rules and limits established by these Agency Terms of Use, by the rules and regulations of the Company and by the rules and regulations of any authorized State and/or Federal regulatory agency.

This site is controlled, operated and administered by us from offices within the United States of America and for the purpose of servicing our policyholders and assisting independent insurance agents in the marketing and promoting of our products and services solely within our states of operation. We make no representation that our products and services or the materials at this site are appropriate or available in all states.

Any information relating to insurance coverage provided by this site is for informational purposes only, nothing herein provides insurance coverage and insurance coverage is controlled in all respects by the specific terms of the insurance policy. Coverage availability, coverage terms, rates and discount availability may vary by state or territory and such availability is in no way altered by the contents of this site.  Some coverages or discounts may have been eliminated or modified since the posting on this site. The issuing, renewal, or cancellation of any insurance policy, policy terms and conditions, and rates are subject to underwriting review.

Only Authorized Users are allowed to use this site. No one else may use this site. You are an Authorized User only if all of these provisions apply to you:

A. Your agency has a valid license to sell insurance in the jurisdictions in which it does business;
B. We have provided you with authorized login credentials for your use; and
C. You either are 1) a producer for this agency, and you have both a valid producer license in the jurisdictions in which you do business and a current appointment by us, or 2) you are an individual who represents, is employed by, or is otherwise affiliated with the Agency.

IF YOU ARE NOT AN AUTHORIZED USER, YOU MUST IMMEDIATELY STOP YOUR USE OF THIS SITE NOW.

The only uses of this site that may be made are those expressly permitted in these Agency Terms of Use. No other use is permitted. Except where otherwise indicated, all materials contained in this site, including but not limited to graphics, text, software, audio, video and files, are either the property of, or used with permission by, us, and are protected by intellectual property laws. We reserves all rights in these materials. We authorize you to view and download materials from this site only for your use in connection with the lawful purchase, marketing and/or evaluation of our products and services. This authorization is not a transfer of any rights in the materials. Any copies you make of the materials (including by printing or by retaining electronic copies) are subject to the following restrictions:

• You may not remove, or disassociate, from any of the materials our name or any copyright or other proprietary notices contained in the materials; and
• Whether for profit or not, you may not modify, reproduce, display, perform, distribute, transfer, prepare derivative works from the materials, or otherwise use the materials or transfer the materials to any other person for any purpose not expressly permitted by these Agency Terms of Use.

Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without our written permission or permission of the third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, except as provided herein, is strictly prohibited.

You may only use this site for the purpose of doing business with us. You may not use this site for any other purpose. 
This site may never be used:

• In a manner that is prohibited by any law or regulation;
• By using another person's login credentials, or impersonating or otherwise misrepresenting your identity or affiliation;
• To access accounts that you are not authorized to access;
• To invade the privacy of third parties, including consumers;
• In a manner that infringes or misappropriates any patent, trade secret, copyright, trademark, or other proprietary rights of any third party;
• To violate, or facilitate or assist in violating, the security of this site, whether intentionally, negligently or otherwise; or
• To transmit by means of this site any data or material that contains software viruses or any other malicious code designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Except as expressly provided herein, you shall not use any portion of this site, or any intellectual property contained within this site (including but not limited to our trademarks), on any other website, in the source code of any other website, or in any other printed or electronic materials. You may not reverse engineer, decompile, or disassemble the software code contained in this site. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this site’s content.

If your agency's Agency Agreement (as defined below) has been terminated, then you and your agency may only use those parts of this site that are needed to service your existing book of business with us. Your permission to use this site ends when you have no more policies in your book of business that are underwritten by us.

If your agency's or producer's license is suspended or has been revoked, you have no permission to use this site and you must immediately stop your use.

To the extent that you provide to us any third party or consumer information by submitting it to us or using it on this site, (including "Personal Information" (which includes, without limitation, "personal data," "personal information," "personally identifiable information," "personal health information," "nonpublic information," and "personal financial information," each as defined by applicable state and federal consumer privacy and data security laws relating to the collection, use, sharing, storage, transmission, and/or disclosure of information about an identifiable individual)):

• You represent and warrant to us that you own, or possess sufficient rights in, or the authority to provide us with, all such information, including Personal Information; and
• You grant to us an exclusive, irrevocable, worldwide, fully-paid, royalty-free license to use, reproduce, display, publicly perform, prepare derivative works from, transmit and distribute such information as we see fit for the purpose of underwriting, issuing and/or servicing the products or services we provide.

When you use this site, you may receive access to Personal Information, as defined above, of consumers. Our obligations regarding Personal Information are set out in our Privacy Policy. You understand that collecting Personal Information for the purpose of obtaining a quote or policy from us places consumer privacy obligations on you. You agree to treat consumer Personal Information as if our obligations under our Privacy Policy applied to you. We update our privacy policy from time to time. Your use of this site after the Privacy Policy has been updated will be subject to the updates. Our current Privacy Policy can be viewed at www.auto-owners.com/privacy.

Your authorization to access and use this site are granted by the agreement between you and us (“Agency Agreement”). This site contains information that is confidential and proprietary to us. You will not sell the Personal Information shared by us. You will not retain, use, or disclose the Personal Information shared other than for the specific purpose of performing services specified in the Agency Terms of Use or Agency Agreement (together “Agreements”). Access shall be restricted to persons or entities that are strictly necessary to perform its obligations under these Agreements. This restriction extends to the retention, use, or disclosure of the Personal Information shared for any other commercial purpose other than providing the services to us as specified in the Agreements. The Agency will assume legal liability for any breaches of applicable state and federal consumer privacy and/or data security laws concerning Personal Information caused by its employees, subcontractors, independent consultants, subsidiaries or affiliates performing services under the Agreements. If there is any inconsistency between your obligations set forth in these Agency Terms of Use and your obligations set forth in an Agency Agreement, the obligation that provides the greater protection for the information controls, unless we expressly inform you in writing otherwise.

Unauthorized use of Personal Information, or confidential or proprietary information, may subject the user to federal and state civil and criminal penalties.

Notice shall be immediately provided to us if you become aware of any potential security incident, data breach, cybersecurity event, or any other event that impacts information shared by us, or that could lead to the potential impact of such information or our systems. Notice shall be made to AOIncidentResponse@aoins.com or by telephoning 517.323.1200 ext. 53043. You agree to notify us first before notifying third parties, unless applicable state and federal consumer privacy and data security laws require notification to third parties first and then to us.

You may not make any statements on, or provide or post any information to, this site that is, knowingly false, misleading, defamatory, threatening, obscene, harassing, or otherwise unlawful, or that, without proper notice and authorization, incorporates the proprietary material of another or the Personal Information of any consumer which is protected by any privacy laws and/or regulations including, but not limited to, the Gramm-Leach-Bliley Financial Modernization Act, the California Consumer Privacy Act, the Health Insurance Portability and Accountability Act, and/or any similar state or federal privacy law or regulation.

Enrollment by legitimate users is required as a condition for accessing some services or resources provided on this site. Unauthorized use of or access to these areas is prohibited. We reserve the right to reject or discontinue site access or services to any user at our sole discretion. 

You agree not to attempt to: a) interrupt the operation of any site; b) gain unauthorized access to our computers or computer codes; or c) introduce any electronic data or software containing viruses, worms, Trojan horses, web robots, crawlers, wanderers, spiders, and the like, or other destructive material to our computers which if transmitted through a software or electronic medium would adversely affect any computer software, hardware or telecommunications equipment.

This site is a secure portal. Access is based on login credentials, consisting of a userid/password combination identification procedure. It is the Agency’s responsibility to establish one or more accounts, and login credentials for each account, in connection with its employees’ use of this site. You agree to maintain the confidentiality of your login credentials and not to allow use by anyone other than you. Until you notify us otherwise and we have had a commercially reasonable time to respond to your notice, we may, and will, assume that every transaction entered into, every authorization received, and every act or omission undertaken using your email address and password ("Login Credentials") are fully authorized by you. You are entirely and absolutely responsible for all activity performed or information disseminated through the use of your Login Credentials. IT IS A VIOLATION OF THESE TERMS AND CONDITIONS FOR YOU TO ALLOW ANOTHER PERSON TO USE YOUR LOGIN CREDENTIALS FOR ACCESS TO THIS SITE. PLEASE KEEP YOUR LOGIN CREDENTIALS CONFIDENTIAL.

You agree to immediately report to us at AOIncidentResponse@aoins.com any loss of confidentiality of your login credentials or any unauthorized access to the secure portal that may come to your attention. We reserve the right to terminate your access for any reason without liability and without prior notification to maintain system security. You shall be responsible for any damage to us or customers, including but not limited to: any denial of service; deletion or modification or creation of data; unauthorized access to our data; or, any other action directly or indirectly related to unauthorized or improper use of your login credentials by you, or by any other person, or by your failure to terminate access to this site by any person who does not retain authority to access this site on your behalf. 

If you are a principal in the appointed agency, you agree to accept sole responsibility under this section for any login credentials used by any individual who represents, is employed by, or is otherwise affiliated with the Agency. You agree to monitor access to the site by any individual affiliated with the Agency who is granted access by your designated security admin in the Agency and to promptly terminate access by any person who does not retain authority to access the site on your behalf. We reserve the right to examine your records of user activity and/or account activity for any accounts registered to you.

We may terminate, change, suspend, interrupt, or discontinue any aspect of any site, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without notice or liability. We may terminate the authorization, rights, and license given above.

This site and its content contain copyrights owned by us or other third parties and all rights are reserved.

ALL RIGHTS TO THE SITE DESIGN, ALL MATERIALS ACCESSED, VIEWED, OR OBTAINED AND POSTED AND/OR PROVIDED ON SITES ARE RETAINED BY US WITH THE RIGHT TO ENFORCE INTELLECTUAL PROPERTY RIGHTS IN SUCH MATERIALS. YOU MAY NOT COPY OR DISTRIBUTE ANY MATERIAL ACCESSED, VIEWED, OR OBTAINED FROM ANY SITE, EXCEPT AS EXPRESSLY PROVIDED HEREIN OR WITHOUT OUR EXPRESS WRITTEN PERMISSION.

Trademarks of others are the property of their respective owners. We make no claim to the trademarks of others.

Except where controlled through regulations governing a user’s license to offer, sell, service or purchase our products and services, you must commence any suit or other action in connection with your use of any site within one year after events giving rise to the claim or cause of action occur. In no event shall these Agency Terms of Use, serve to create or extend to any user any private claim or cause of action against us.

Except for policyholders having a legal right to bring a suit or other action against us within a state where a policy is issued, you irrevocably consent to the Choice of Law, Jurisdiction and Venue and Dispute Resolution provisions below.

The laws of the State of Michigan and the federal laws of the United States govern these Agency Terms of Use. Any suit or other action arising out of, or in any way connected with, your use of any site may be brought only in the exclusive jurisdiction of the Circuit Court in the County within which the home office of Auto-Owners Insurance Company is located at the time of any dispute, or the Western District of Michigan Federal District Court.

In the event of any dispute arising out of your use of, or association with, this site, you agree to submit such dispute to arbitration in Eaton County, Michigan in accordance with the Commercial Dispute Resolution Procedures, or where appropriate, the Supplementary Procedures for Consumer-Related Disputes of the American Arbitration Association. The arbitration will be conducted in English. Any award by the arbitration panel may be entered in, and enforced by, any court of competent jurisdiction.

If, for any reason, a Court of competent jurisdiction finds any provision of the Agency Terms of Use or the Privacy Policy, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agency Terms of Use and the Privacy Policy, and the remainder of the Terms of Use and the Privacy Policy shall continue in full force and effect.

The failure to exercise or enforce any right or provision of any term of these Agency Terms of Use shall not constitute a waiver of such right or provision.

THE SITES AND ALL MATERIALS MADE AVAILABLE ON OR THROUGH THEM ARE PROVIDED CONDITIONAL ON THE USER RECOGNIZING THAT THE QUALITY, AND ACCURACY OF THE INFORMATION OBTAINED FROM THE SITE MAY DEPEND ON THE USER PROVIDING ACCURATE INFORMATION. WE FURTHER DISCLAIM ALL IMPLIED WARRANTIES AS MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES, COSTS, SUITS, ACTIONS, LOSSES, OR ANY OTHER HARM THAT RESULTS FROM YOUR USE OF ANY INFORMATION, SERVICES OR MATERIALS PROVIDED BY OR THROUGH THIS SITE.

This site is provided for your convenience. This site may contain or present to you information about your transactions with us. If there is any discrepancy between information presented in this site and our internal system records, the internal system records will be considered authoritative and controlling.

We do not warrant that this site will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. We also assume 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 this site 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.

We may make services available through this site that are provided by a third party. We cannot and do not take responsibility for third party services, their privacy practices, the content they provide, or the manner in which they provide this content.

For your convenience, this site may contain links to other websites. The inclusion of any links to such websites does not imply our approval of or endorsement by those websites, their content or their products and services. We are not responsible for the content of these websites, or problems you may encounter at other sites. These websites may also have their own terms and conditions, which you may be subject to.

Without affecting any other limitation of liability contained in these Agency Terms of Use or otherwise:

• IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THIS SITE OR ANY SERVICE RELATED THERETO, INCLUDING, WITHOUT LIMITATION, BODILY INJURY, EMOTIONAL DISTRESS, AND/OR ANY OTHER DAMAGES RESULTING FROM THE USE OF THE SITE; and
• IN NO EVENT WILL WE BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THIS SITE OR ANY SERVICE RELATED THERETO, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, LOSS OF PROFITS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF WE KNOW OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

You agree to defend, indemnify and hold harmless Auto-Owners and its affiliates and subsidiaries, their officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access of this site; (ii) your violation of any term of these Agency Terms of Use; or (iii) your violation of any third party proprietary right. This defense and indemnification obligation will survive these Agency Terms of Use and your use of this site.

We collect information about your use of this site when you use it. This information helps us to better understand how this site is being used and what we can do to make it more useful to users. For more information, visit our Privacy Policy at www.auto-owners.com/privacy.

Supported Operating Systems: Windows 10 and 11 (supported versions), Mac OS (versions 10.14.6 and higher), Android OS 6.0 Marshmallow and higher, and iOS OS version 13.0 and higher; Internet browser software: Google Chrome version 76 or higher, Mozilla Firefox version 68 or higher, Apple Safari version 12 or higher, or Microsoft Edge version 80 or higher; Access to an e-mail account that is capable of receiving e-mail messages. It is also recommended that your inbox has adequate message storage, and the ability to open a referenced link in an e-mail message; Adobe Acrobat Reader DC version 18 (2018.011.20055) or higher is recommended to view documents.

We work hard to make sure you are able to get the information you need. If you have trouble reading or using material on the site, please send us an email at PublicWebsiteFeedback@aoins.com or call us at 517-323-1200. 

We reserve the right, at our sole discretion and without any notice, to change, modify, add, or remove any portion of these terms and conditions at any time. Changes in these terms and conditions will be effective when the revised terms and conditions are posted on this site and/or otherwise communicated to you. Your use or continued use of any site after any changes to these terms and conditions are posted will be considered acceptance of those changes. PLEASE READ THESE AGENCY TERMS OF USE AND THE SITE PRIVACY POLICY EVERY TIME YOU ACCESS ANY SITE TO MAKE SURE THAT YOU CONTINUE TO AGREE TO THEIR TERMS.