About HCCMIS

HCC Medical Insurance Services, LLC (HCCMIS) is a full service organization offering a comprehensive portfolio of international group health, domestic short term and travel medical insurance products designed to address the insurance needs of travelers worldwide.

About HCC

HCC Insurance Holdings, Inc. (NYSE:HCC) is a leading international Specialty Insurance group dedicated to helping businesses and individuals take on opportunities with confidence. Backed by the insurance industry's highest available financial ratings, HCC participates in more than 100 classes of Specialty Insurance. Every day from offices across the United States and in the United Kingdom, Spain and Ireland, our 2,000 employees apply a unique understanding of risk and a passion for underwriting. Our name for this smarter practice of insurance: Mind over risk.


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History

HCC Medical Insurance Services (formerly MultiNational Underwriters®) was established in 1998 in Indianapolis, IN. HCCMIS was among the first to make insurance products and services available via the internet. HCCMIS customers can review coverage options, obtain quotes, purchase insurance and receive their insurance documents – all electronically, without human intervention, 24 hours a day. Today, many thousands of international insurance professionals host HCCMIS's electronic tools on their websites, and this number continues to grow. HCCMIS currently offers health and life insurance to customers in over 130 countries.

HCCMIS was purchased by the Noel Group, LLC, in 2002. This unique and progressive organization, with service offices throughout the world, positioned HCCMIS to transform its customer service department to a full travel and international assistance platform. This allowed HCCMIS to enhance and expand its product offerings, and enthusiastically face the challenges of the ever changing global marketplace.

In January 2008, HCC Medical Insurance Services was acquired by HCC Insurance Holdings, Inc. (NYSE: HCC). Headquartered in Houston, Texas, HCC is a leading international specialty insurance group with offices across the United States and in Spain, Ireland and the United Kingdom. The acquisition by HCC allows HCC Medical Insurance Services to expand its reach in the brokerage community. HCC has assets of $9.0 billion, shareholders' equity of $3.0 billion and is rated "AA- (Very Strong)" by Standard & Poor's and "AA- (Very Strong)" by Fitch Ratings. In addition, HCC's domestic insurance companies are rated "A+ (Superior)" by A.M. Best Company.


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Product Excellence

HCCMIS's innovative products are known and used daily by many thousands of individuals, families, corporations and service groups around the world. These products are all designed with the unique needs of the international market in mind.

  • Non-U.S. citizens traveling or residing outside of their home country, or desiring to supplement their home country health insurance plans.
  • U.S. Citizens traveling or residing outside of their home country.
  • U.S.-based corporations with employees and their families traveling or residing abroad.
  • Mission-sending organizations with missionaries serving outside their home country.
  • Colleges and universities with students or teachers and their families traveling or residing outside their home country.

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Service

Traditional Midwestern values coupled with state-of-the-art information and telecommunications technology form the foundation of HCCMIS's customer service capabilities. Headquartered in Indianapolis, Indiana, HCCMIS's team of customer service specialists are available 24 hours a day, seven days a week to respond to customer needs. No matter the time zone, no matter the language, no matter the culture, HCCMIS has the resources to provide its customers with the service they need, when and where they need it most.

The need may be as simple as replacing a health insurance identification card or as complex as coordinating an emergency evacuation. In any case, HCCMIS is there around the clock. While we pride ourselves on delivering our products electronically, we also realize that computers can never replace a knowledgeable and compassionate voice in a time of need. Well-trained and experienced people are available all day, every day. This is truly "Coverage Around the World".


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Culture

Culture must be experienced. It cannot be adequately communicated by the printed word or with pictures. HCCMIS strives to create an environment where happy, experienced and well-trained employees want to give astonishing service. We strive for product excellence and succeed because of our hardworking and knowledgeable staff. HCCMIS offers technology with a human touch. Our staff has developed this touch by embracing proven habits of success, by regularly sharing insights, and by sharpening the skills that make them great at what they do. While growing revenues and increasing profits are important, HCCMIS recognizes the need to give back to the local and global communities where we do business. Our companies and its employees are involved in a number of diverse projects that help children, the disadvantaged, and promote health care education and diversity. HCCMIS invites you to experience the difference that an enlightened corporate culture can make.


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Important Information

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by HCC Medical Insurance Services, LLC, HCC Underwriting Agency, Ltd. or Lloyd's, London, in any jurisdiction where such an offer or solicitation would be unlawful or in which HCC Medical Insurance Services, LLC, HCC Underwriting Agency, Ltd. or Lloyd's, London is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services.

For a complete description, contact HCC Medical Insurance Services.

Special Notice to US Citizens:

Lloyd's operates as an unauthorized insurer in all states of the United States except Illinois and Kentucky, where they are admitted. As such, claims under the insurance products described in this website may not be made against any state guaranty fund.

This website is intended for viewing by US citizens who are traveling or residing outside the United States.


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HCC Medical Insurance Services Privacy Policy

HCC Medical Insurance Services, LLC respects individual privacy and values the confidence of its customers, employees, business associates, and others. This Privacy Policy informs you of the way your information is collected online, how that information is used, and how we protect this information.

Collection of Information

When visiting our website, you are an anonymous visitor. HCC Medical Insurance Services only recognizes a visitor's IP address and does not collect any information without the visitor voluntarily providing such information.

When requesting a quote, HCC Medical Insurance Services may ask for basic information about you (e.g. date of birth, citizenship, home country). Only after you have decided to complete an Application for Insurance do we ask for more detailed personal information (e.g. name, social security number, address).

User Information

HCC Medical Insurance Services uses the information collected in one or more of the following ways:

  • Process orders/applications and to make and fulfill requests for additional information
  • Provide customer service and/or support
  • Provide you with insurance documents
  • Communicate with you and/or your agent about your application or policy
  • Update you on new products, services, or benefits
  • Verify the identity of an insured or applicant
  • Aggregate site visitor analysis

HCC Medical Insurance Services will not give or sell your personal information to third parties outside HCC Medical Insurance Services unless ordered to do so to comply with the law of the countries in which we do business or when complying with the legal process.

Security

To ensure that online transactions and data are protected, HCC Medical Insurance Services uses advanced encryption technology through the use of 128-bit Secure Socket Layer. This technology allows HCC Medical Insurance Services to use advanced encryption tools to protect all important information transmitted between the outside source and the internal server.

HCC Medical Insurance Services restricts access to personal information to employees who need to know that information in order to perform their jobs. Any employee that HCC Medical Insurance Services determines is in violation of this policy will be subject to disciplinary action, up to and including termination and criminal prosecution.

Data Integrity

HCC Medical Insurance Services will use personal information only in ways that are compatible with the purposes for which it was collected and in accordance with this Policy. HCC Medical Insurance Services will take reasonable steps to ensure that personal information is relevant to its intended use, accurate, complete, and current. However, we depend on our policyholders, producers, and users to update their personal information when necessary.

Cookies

Cookies are tiny files that are placed on your computer to uniquely identify your internet browser. HCC Medical Insurance Services only utilizes cookies to track session information after an insured or producer has logged into one of HCC Medical Insurance Services secure zones of our website (e.g. ClientZone, ProducerZone, StudentZone). You can configure your browser to refuse all cookies or to indicate when a cookie is being sent. However, doing so will prevent you from accessing these secure areas.

Access and Correction

Upon request, HCC Medical Insurance Services will grant individuals reasonable access to personal information that it holds about them. In addition, HCC Medical Insurance Services will take reasonable steps to permit individuals to correct, amend, or delete information that is clearly demonstrated to be inaccurate or incomplete except where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy in the case in question, or where the rights of persons other than the individual would be violated.

Important Privacy Choices

You have the right to opt out of or prevent the disclosure of non-public personal financial information to non-affiliated third parties, other than those permitted by law. This option applies to the insurance products and services that HCC Medical Insurance Services provides to you. Presently, HCC Medical Insurance Services does not share or exchange such information. If you would like more information about your options and rights to opt out of information sharing, please call HCC Medical Insurance Services at 800-605-2282, or write to HCC Medical Insurance Services at the address provided below. If you have previously opted out, please be assured that your election will remain effective. You do not need to call unless you wish to change your election.

Contact Information

Questions or comments regarding this Privacy Policy should be submitted to the Compliance Department of HCC Medical Insurance Services, LLC by mail or e-mail as follows:

HCC Medical Insurance Services
Attention: Compliance Department
251 North Illinois Street, Suite 600
Indianapolis, IN 46204
insurance@hccmis.com

Changes to this Policy

This Policy may be amended from time to time. A notice will be posted on the web page for HCC Medical Insurance Services (www.hccmis.com) for 60 days whenever this Privacy Policy is changed in a material way.

Effective Date: October 26, 2009


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Terms of Use

Effective Date: April 10, 2007

THESE TERMS OF USE GOVERN YOUR USE OF THE HCC MEDICAL INSURANCE SERVICES, LLC'S ("HCCMIS" OR "WE") WEBSITE LOCATED AT HCCMIS.COM OR AT OTHER WEBSITES CONTROLLED BY HCCMIS (THE "WEBSITE"). BY USING THIS WEBSITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, PLEASE LEAVE THIS WEBSITE.

THESE TERMS OF USE ARE SUBJECT TO CHANGE BY HCCMIS AT ANY TIME IN ITS REASONABLE DISCRETION. YOUR USE OR CONTINUED USE OF THE WEBSITE AFTER SUCH CHANGES TAKE EFFECT CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGES. YOU ARE ADVISED TO CONSULT THESE TERMS OF USE REGULARLY.

Access to this Website

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. As a condition of your use of this website, all information that you provide on this website will be correct, current and complete; if we believe that it is not, HCCMIS has the right to refuse you access to this Website or any of its resources, and to terminate or suspend your access at any time.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are presented to you.

Privacy

We treat any personally-identifying information that you submit to us through the website in accordance with our Privacy Policy that is available online at www.hccmis.com/about-hccmis/#privacy ("Privacy Policy") and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information.

Restrictions on Use

You may use this website for only for your internal purposes. You may not use this Website or any of the Content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

(1) co-branding this website;
(2) framing this website;
(3) using any robots, scrapers, data mining tools, or any similar device, tool, software, or process;
(4) hyper-linking to specific product or coverage information; or
(5) reselling or remarketing the Content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this website or its content. You will cooperate fully with HCCMIS in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from HCCMIS, you agree to pay or reimburse HCCMIS for any and all costs associated with ending or terminating such use.

Proprietary Information

The material and content accessible from this website and any other website that HCCMIS owns, operates, licenses or controls (the "Content") is the proprietary information of HCCMIS or the party that provided the Content to us, and HCCMIS or such party retains all right, title and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted or transmitted in any way without the prior written consent of HCCMIS, except that you may print out a copy of the Content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content, except as expressly provided herein, may violate HCCMIS's intellectual property rights or those of the party providing Content to HCCMIS. Neither title nor intellectual property rights in the Content are transferred or licensed to you by this agreement or your access of this website.

Certain information provided to you by HCCMIS through non-public portions of the website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

Hyper-links

HCCMIS may hyper-link from the Website to other websites that are not maintained by, or related to, HCCMIS. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or HCCMIS. Such other websites are solely responsible for their content.

Access hyper-links at your own risk.

HCCMIS MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU "AS-IS" "WHERE IS," AND HCCMIS SPECIFICALLY DISCLAIMS ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY HCCMIS OF THAT WEBSITE.

Submissions

In consideration for enjoying the use of this website, you hereby grant to HCCMIS the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, "Smiles," content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to HCCMIS through this Website (collectively, the "Submission"), and to incorporate any Submission into other works in any form, media or technology now known or later developed. HCCMIS may use any Submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the Submission that may appear in future HCCMIS operations.

Disclaimer

HCCMIS cannot and does not guarantee or warrant that any files available for downloading from the Internet are free of viruses, worms, Trojan horses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for security, for accuracy of data input and output, and for maintaining a means external to this website for reconstructing lost data. HCCMIS does not assume any responsibility or risk for your use of the Internet.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT HCCMIS, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this website, and HCCMIS does not undertake any obligation to update such information or to remove such information from this website, if it is not or is no longer accurate or complete.

Limitation on Liability

TO THE EXTENT PERMITTED BY LAW OR REGULATION, HCCMIS, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF HCCMIS'S WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF HCCMIS AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO HCCMIS FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

Indemnity

You will indemnify and hold HCCMIS, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of the Content other than as expressly authorized herein, and any claim that your Submission violates a third party's intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the Content and this website.

Trademarks

Trademarks, service marks and logos appearing in this website (collectively, the "Marks") are the property of HCCMIS or the party that provided us the Marks, and we or such party retain all rights with respect to such respective Marks. No rights in any Marks are granted to you by this agreement or your access of this website.

Information You Provide

You may not post, send, submit, publish or transmit in connection with the Website any material that:

  • you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
  • advocates illegal activity or discusses an intent to commit an illegal act;
  • is vulgar, obscene, pornographic or indecent;
  • does not pertain directly to the Website;
  • threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
  • seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
  • infringes any intellectual property right or other right of any entity or person, including violating anyone's copyrights or trademarks, or their rights of privacy or publicity;
  • violates any law or may be considered to violate any law;
  • impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
  • advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this website;
  • solicits funds, advertisers or sponsors;
  • images programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
  • amounts to a "pyramid" or similar scheme;
  • disobeys any policy or regulations established from time to time regarding use of this website or any networks connected to this website; or
  • contains hyper-links to other websites that contain content that falls within any description set forth above.

HCCMIS reserves the right to monitor use of this website in order to determine compliance with these Terms of Use, and reserves the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain responsible solely for the content of your Submissions. YOU ACKNOWLEDGE AND AGREE THAT NEITHER HCCMIS NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO HCCMIS WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY HCCMIS OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS.

Security

Any passwords we provide for this website are for your individual use only. You will be responsible for the security of your password. Except where otherwise notified, HCCMIS may rely upon the acts of any person or entity using your account information. HCCMIS may monitor your password and, at our discretion, require you to change it. If you continue to use a password that HCCMIS considers insecure, we will require you to change the password or will terminate your account.

You are prohibited from using this website or any related services or facilities to compromise security or to tamper with system resources, accounts or both. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you are involved in any violation of system security, HCCMIS will release your details to system administrators at other websites in order to assist them in resolving security incidents. HCCMIS reserves the right to investigate suspected violations of these Terms of Use. HCCMIS will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any e-mail messages or Submissions, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HCCMIS HARMLESS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY HCCMIS DURING OR AS A RESULT OF ITS INVESTIGATIONS OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS, OR BOTH, BY EITHER HCCMIS OR LAW ENFORCEMENT AUTHORITIES.

Miscellaneous

These Terms of Use are governed and interpreted by the laws of Indiana, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Indiana in connection with any dispute between you and HCCMIS arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use in the state and federal courts in Indianapolis, Indiana. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of this Agreement by a party will not operate or be construed as such party's waiver of any other or subsequent breach. These Terms of Use constitute the entire agreement between you and HCCMIS relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this website will govern the items to which they pertain. HCCMIS may revise these Terms of Use at any time by updating this posting.


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Proprietary Rights

© Copyright 2011, HCC Medical Insurance Services, LLC

While HCC Medical Insurance Services, LLC ("HCC Medical Insurance Services" or the "Company") provides the information on this Website to anyone, we retain copyright on all text and graphic images. As such, one copy of the contents of this Website may be viewed, copied and downloaded for your own personal non-commercial use, provided that this Legal Disclaimer and Notice of Copyright appear in all copies. The contents of this Website may not be modified or used in any manner other than as expressly permitted by the immediately preceding sentence, including without limitation, utilization by reference or the establishment of a link, without the prior written consent of HCC Medical Insurance Services.

HCC Medical Insurance Services reserves the right at any and all times and in its sole discretion to change the content of this Website and the products and services referenced hereon. HCC Medical Insurance Services reserves all other rights.

HCC Insurance Holdings and the HCC logo and HCC Medical Insurance Services and the HCC Medical Insurance Services logo are service marks of HCC Insurance Holdings, Inc. ("HCC") and HCC Medical Insurance Services, respectively, and the names, logos and products of the other HCC group companies referenced hereon are either service marks or registered service marks of such companies. Other product and company names referenced herein may be the service marks of their respective owners.

Disclaimer of Liability

HCC Medical Insurance Services maintains this Website as a service to the Internet community. The information contained on this Website is subject to change without notice and HCC Medical Insurance Services assumes no commitment to update the information contained herein. You hereby acknowledge that any reliance upon such information shall be at your sole risk. This service and all such information is provided on an "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT SHALL HCC BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE.

The world wide web exists across public networks, many of which are insecure. This Website uses the security features of Netscape and Internet Explorer on most forms on this site, however, HCC Medical Insurance Services cannot guarantee the security of the in-transit information. HCC Medical Insurance Services disclaims any and all liability for interception by unauthorized persons and for any computer viruses that may be loaded into your computer as a result of the downloading of any information from this or any other Website. The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by HCC Medical Insurance Services and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website.

Disclaimer of Endorsement

The HCC stock pricing information appearing on the third party Website linked to this Website is updated periodically from a source other than HCC. HCC and HCC Medical Insurance Services do not assume any responsibility for the accuracy of such pricing information or any other materials included on such third party website. Accordingly, such information should not be used for any formal analysis or estimation.

All links and frames of this Website to third party sites are provided as a convenience only. HCC Medical Insurance Services does not control or endorse the information and content contained on any such sites, or their sponsors.

HCC Medical Insurance Services is under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever.

Disclaimer of Privacy

Except as otherwise provided herein, by providing information through the use of this Website (such as inquiries, comments, suggestions or ideas) to HCC Medical Insurance Services, the visitor agrees that such information is provided on a non-confidential basis and that HCC Medical Insurance Services shall have unlimited rights to use (or not use), distribute (or not distribute), reproduce (or not reproduce), and disclose (or not disclose) such information worldwide as HCC Medical Insurance Services deems appropriate, without compensation or acknowledgment of its source. HCC Medical Insurance Services shall be free to use any ideas, concepts, know-how or techniques contained in any information a visitor provides HCC Medical Insurance Services through this Website.

Should you have any questions or comments about our privacy policies or practice, please direct them to the HCC Legal Department.

Jurisdictional Issues

This Website is controlled and operated by HCC Medical Insurance Services from its offices within the State of Indiana, United States of America. HCC Medical Insurance Services makes no representation that materials on www.hccmis.com are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction

Should a court of competent jurisdiction hold or find any portion or provision of any of the disclaimers appearing hereon illegal, non-enforceable, or invalid the remainder of the disclaimer or disclaimers shall remain in full force and effect in that case and in all other cases.

Forward Looking Statements

Forward-looking statements contained on this website are made under "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995 and involve a number of risks and uncertainties. We have based these forward-looking statements on our current expectations and projections about future events. These forward looking statements include information about possible or assumed future results of our operations. All statements, other than statements of historical facts, included on this website that address activities, events or developments that we expect or anticipate may occur in the future, including, growth of our business and operations, business strategy, competitive strengths, acquisitions, capital expenditures, goals, plans and references to future successes may be considered forward-looking statements. Also, when we use the words such as "anticipate", "believe", "estimate", "expect", "intend", "plan", "probably", or similar expressions, we are making forward looking statements.

Many risks and uncertainties may impact the matters addressed in these forward looking statements. The types of risks and uncertainties which may affect the Company are set forth in its periodic reports filed with the Securities and Exchange Commission. In addition, the potential accounting, financial, tax and other affects of the Company's review of its historical stock option granting practices and any remedial decisions instituted by the Board of Directors might have a material effect on the risks and uncertainties of the Company's future results. Many possible events or factors could affect our future financial results and performance. These could cause our results or performance to differ materially from those we express in our forward looking statements. Although we believe that the assumptions underlying our forward looking statements are reasonable, any of these assumptions, and therefore also the forward looking statements based on these assumptions, could themselves prove to be inaccurate. In light of the significant uncertainties inherent in the forward looking statements included on this website, our inclusion of this information is not a representation by us or any other person that our objectives and plans will be achieved.

Our forward looking statements speak only as of the date made and we will not update these forward looking statements unless the securities laws require us to do so. In light of these risks, uncertainties and assumptions, the forward looking events discussed on this website may not occur.

Employment Opportunities

HCC Medical Insurance Services is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.


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