Legal notices and terms of use

Last updated: May 15, 2023

Who we are

Markel.com is a site owned and maintained by Markel Group Inc. in Virginia, USA with its principle place of business at 4521 Highwoods Parkway, Glen Allen, VA 23060, USA, and/or one or more of its subsidiaries ("Markel", “we”, “us” or “our”).

To find out more about Markel’s operations and structure visit: Markel Group

Conditions for use of this web site

By using this website, you signify your agreement to the terms and conditions contained in these legal notices. If you do not accept these terms and conditions, please do not use this website. Please read these terms carefully. We reserve the right to add, delete or otherwise modify portions of these terms at any time. You should visit this page periodically to review the terms and conditions. User access to and use of this website is subject to all applicable federal, state and local laws and regulations.

Geographic Limitations

Unless otherwise expressly set forth herein, Markel makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Furthermore, not all of the products and services described on this website are available in all geographic areas. Please contact a designated Markel representative or your broker to find out which products and services are available to you in your jurisdiction.

This website is controlled and operated by Markel from offices within the United States of America. We make no representation that materials at this website are appropriate or available for use outside the United States or that access to the content from all countries and/or territories is legal. You may not use the website or export the website materials in violation of United States export laws and regulations. If you access this website from locations outside the United States, you are responsible for compliance with all applicable laws and regulations.

Markel makes no representation that any information, materials or features/functions included are appropriate for use in any particular jurisdiction. This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the website and its content is contradictory to local laws or regulations. Persons with respect to whom such restrictions or prohibitions apply must not access or use this web site. By accessing or using this website you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.

Prohibited Uses

You may use the website only for lawful purposes and in accordance with these terms. You agree not to use the website:

• In any way that breaches any applicable local, national or international law or regulation.
• In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To send, knowingly receive, upload, download, use or re-use any material which doesn’t comply with our content standards (see below).
• To transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam).
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

• Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms or our privacy policy.
• Not to access without authority, interfere with, damage or disrupt:
• any part of our site;
• any equipment or network on which our site is stored;
• any software used in the provision of our site; or
• any equipment or network or software owned or used by any third party.

Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Markel, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. These terms permit you to use the website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, without permission. You must not access or use for any commercial purposes any part of the website or any services or materials available through the website. Any use of the website not expressly permitted by these terms is a breach of these terms and may violate copyright, trademark, and other laws.

INTERACTIVE SERVICES

We may from time to time provide interactive services on our website, including, without limitation, live chat and bulletin boards. Where we do provide any interactive service, we’ll provide clear information to you about the kind of service offered.

We do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site. We’re not under any obligation to oversee, monitor or moderate any interactive service we provide on our website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards (see below), whether the service is moderated or not.

CONTENT STANDARDS

These content standards apply to any and all material which you contribute to our website (“contributions”), and to any interactive services associated with it. You agree to comply with the spirit and the letter of the following standards. These standards apply to the whole or any part of any content contribution you make.

So, this means that your contributions must:

• be accurate (where they state facts)
• be genuinely held (where they state opinions)
• comply with applicable law, including in any country from which they are posted.

It also means that your contributions must not:

• contain any material which is defamatory of any person
• contain any material which is obscene, offensive, hateful or inflammatory
• promote sexually explicit material
• promote violence
• promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
• infringe any copyright, database right or trade mark of any other person
• be likely to deceive any person
• be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence
• promote any illegal activity
• be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety
• be likely to harass, upset, embarrass, alarm or annoy any other person
• be used to impersonate any person, or to misrepresent your identity or affiliation with any person
• give the impression that they emanate from us, if this is not the case.
• advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Disclaimer

This website has been prepared solely for the purpose of providing information about Markel and the services and products it offers through its subsidiaries. Markel has compiled this web site in good faith. However, no representation is made as to the completeness or accuracy of the information it contains. In particular, you should be aware that this information may be incomplete, may contain errors or may have become out of date. The content on this web site is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances and may not be suitable for your particular circumstances. Markel does not guarantee that the content on this website is or can be relied on for compliance with any law or regulation, assurance against preventable losses, or freedom from legal liability. This website is not intended to be legal, underwriting, financial or any other type of professional advice. Persons requiring advice should consult an independent adviser. Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete.

The reports filed by Markel with the Securities and Exchange Commission and listed on this website speak only as of the respective dates on which they are filed or used by Markel. Markel makes no commitment, and disclaims any duty, to update any of this information.

MARKEL DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MATERIAL. IF YOUR USE OF THE WEBSITE OR THE WEBSITE’S MATERIAL RESULTS IN ANY COSTS OR EXPENSES, INCLUDING, WITHOUT LIMITATION, THE NEED FOR SERVICING OR REPLACING EQUIPEMENT OR DATA, MARKEL SHALL NOT BE RESPONSIBLE FOR THOSE COSTS OR EXPENSES. THIS WEBSITE AND THE INFORMATION CONTAINED HEREIN (INCLUDING ANY REFERENCES TO PRODUCTS OR SERVICES) ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OR IMPLIED TERM OF ANY KIND. MARKEL, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. ALTHOUGH MARKEL STRIVES TO PROVIDE THOROUGH AND ACCURATE MATERIALS ON ITS WEBSITE, WE MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS. IN NO EVENT SHALL MARKEL OR ANY OF ITS SUBSIDIARIES BE SUBJECT TO LIABILITY FOR ANY DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE, WHETHER OR NOT ADVISED OF THE POSSIBILITY THEREOF, UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE PROVISION OF INFORMATION ON THIS WEB SITE OR SITES LINKED TO THIS WEB SITE.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. We exclude all implied conditions, warranties, representations or other terms that may apply to our website or any content on it.

Insurance coverages are underwritten by member companies of Markel, each of which has different licences, authorisations and permissions according to its local and national legal and regulatory environment. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued. Please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Certain products and services are provided through various non-admitted insurance company subsidiaries of Markel and are offered through licensed surplus lines brokers or through Markel West Insurance Services California License number: #0D95581. Availability of products in certain geographic areas may be restricted by sanctions, which are subject to change at short notice. THE INFORMATION CONTAINED ON THIS WEBSITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT OR SERVICE BY MARKEL. Any materials accessible through this website describing insurance terms and conditions offered are intended for use solely by properly licensed producers. No insurance product or service is offered or will be sold by Markel or, if sold by Markel, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction.

Forward looking statements

This is a Safe Harbor statement under the Private Securities Litigation Reform Act of 1995. This website and the site’s material, including documents and presentations within it, contain forward-looking statements that involve risks and uncertainties. Forward-looking statements may be identified by the use of terms such as believes, expects, estimates, may, intends, plans, will, should or anticipates or by the negative thereof or similar expressions, or by discussions of strategy. Markel has based the forward-looking statements on beliefs, assumptions, expectations and projections about future events using information available at the time such statements were made. These forward-looking statements are subject to risks, uncertainties and assumptions about Markel. Discussion of factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations is contained in Markel's SEC filings, including Forms 8-K, 10-Q and 10-K. Markel cautions the reader not to place undue reliance on its forward-looking statements because the assumptions, beliefs, expectations and projections about future events may and often do materially differ from actual results. Markel undertakes no obligation to update any forward-looking statement to reflect developments occurring after such statement is made.

Trademark notice

MARKEL and its Design are registered trademarks of Markel. All other trademarks are property of Markel or its subsidiaries unless otherwise designated. The use of these marks, except as expressly permitted herein or with the prior consent of Markel, is prohibited.

Reference to analysts

Although Markel may reference or provide a list of analysts on this website as a convenience to you, any opinions, estimates or forecasts regarding Markel’s performance made by these analysts are theirs alone and do not necessarily represent opinions, forecasts or predictions of Markel or its management. Markel does not by its reference above or distribution imply its endorsement or sponsorship of, or concurrence with, such information, conclusions or recommendations of the analysts or firms.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

• For parties in the US, see the North America Privacy Policy.
• For parties in the UK and Europe, see the International Privacy Policy.

Please also read our Cookie statement.

Please read the appropriate policies carefully before proceeding.

Links to other materials

Some of the links available to you through this website will allow you to leave the Markel we site. The Internet sites and the material that you can access there are not under the control of Markel, and Markel makes no representations and disclaims all liability with respect thereto. The links are provided only for your convenience, and their inclusion does not constitute nor imply approval or endorsement by Markel of the sites or their content. If you decide to visit any third-party sites using the links from this web site, you do so at your own risk.

Indemnity

By using this website, you agree to defend, indemnify, and hold harmless Markel and its subsidiaries, their officers, their directors, their employees and their agents, from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) incurred by Markel or that Markel may become obligated to pay arising or resulting from your use of the web site or your breach of these terms. Markel reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Violations of terms and conditions

In the event that you violate or attempt to violate any of these terms, Markel reserves the right to terminate your access to this website immediately, at our sole discretion, with our without notice of any kind. We also reserve the right to involve and cooperate with applicable law enforcement agencies, and to pursue a civil lawsuit or criminal prosecution for any and all alleged or actual illegal activities involving this web site.

Legal disputes, severability and choice of law

If there is a legal dispute of any kind about or arising out of the use of this website, the laws of the Commonwealth of Virginia will govern such dispute without regard to conflict of law rules. You agree that if any part of these terms and conditions is found to be unenforceable, the remainder of these terms will remain in full force and effect. By using this website you expressly agree and submit to personal jurisdiction and exclusive venue in the state and federal courts located in the City of Richmond, Commonwealth of Virginia.