Terms of Use
Acceptance of Terms
By using this website, you acknowledge your agreement to the following terms and conditions. Please read these terms carefully. These Terms of Use may be changed, modified, supplemented, or updated at any time, with or without advance notice. You agree to be bound by any such modifications. If you do not agree with these Terms of Use, you should immediately stop using this website.
This website is owned and maintained by Slate Risk, LLC ("Slate Risk", "we", "us", or "our"). The following terms and conditions apply to all users of this website. You acknowledge that the current Terms of Use, Privacy Policy, and other policies posted on this website constitute the entire agreement between you and Slate Risk in connection with your use of this website and the content herein.
Disclaimer
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided on an "as is" or "as available" basis and without warranties of any kind, either express or implied. Slate Risk disclaims all warranties, express or implied, including any implied warranties of merchantability and fitness for a particular purpose. Slate Risk does not warrant that the website's functions will be uninterrupted, non-infringing, or error-free, that any defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.
All information on this website is for general informational purposes only, and is not offered as legal, accounting, actuarial, or other professional advice.
The descriptions of any insurance products, services, or coverage on this website are not intended to be complete descriptions of all applicable terms, exclusions, and conditions. They are provided solely for general informational purposes. Any statement regarding insurance coverage is subject in all respects to the specific terms and conditions of the actual applicable policy or agreement. Complete policy terms are available upon request.
Nothing on this website constitutes an offer to sell or a solicitation to purchase any insurance product. Insurance coverage is subject to underwriting review and approval, and is only bound when confirmed in writing by Slate Risk.
While Slate Risk uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. Slate Risk does not warrant or make any representations regarding the use or results of any materials on this website in terms of correctness, accuracy, reliability, or otherwise. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.
Limitation of Liability
To the fullest extent permissible pursuant to applicable law, under no circumstances, including negligence, shall Slate Risk be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Slate Risk or an authorized representative has been advised of the possibility of such damages.
Slate Risk also assumes no responsibility, and shall not be liable for, any damages to or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing of this website, or your downloading of any materials from this website. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.
You agree to indemnify, defend, and hold harmless Slate Risk from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of this website or any violation of these Terms of Use. If you cause a technical disruption to the website or the systems transmitting the site, you agree to be responsible for any resulting losses, liabilities, expenses, damages, and costs. Slate Risk reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate in the defense of such matter.
Third-Party Content
This website may contain hyperlinks to websites not owned or maintained by Slate Risk. Slate Risk is not responsible for the content or privacy practices of such websites. These hyperlinks are provided solely for your convenience and do not imply Slate Risk's approval or endorsement. We do not control such websites and assume no responsibility for their content, even if Slate Risk's name or logo appears on third-party pages.
We accept no liability for any information, products, advertisements, content, services, or software accessible through third-party websites or for any action you may take as a result of linking to any such website. We recommend that you review the privacy policies and terms of use of any third-party sites you visit.
Ownership of Information
With the exception of personal data (maintained in accordance with our Privacy Policy), any information you transmit to Slate Risk via this website, by email, or otherwise, including questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Slate Risk. Such information may be used for any purpose, including reproduction, disclosure, transmission, publication, and posting. Slate Risk shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send for any purpose, including developing and marketing products and services.
Slate Risk may modify or discontinue any materials, content, or features on this website at its discretion, with or without notice. Slate Risk will not be liable to you or any third party for the effects of any such modification or discontinuance.
Restrictions on Use of Materials
This website is owned and operated by Slate Risk. Except where otherwise indicated, all materials on this website, as well as their collection, arrangement, and assembly, are the copyrighted property of Slate Risk and are protected by U.S. and international copyright laws. No materials may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or otherwise commercially exploited without the express written consent of Slate Risk.
You may download material displayed on this website for your personal, non-commercial use only, provided that you do so without alteration and that all copyright and proprietary notices appear in all copies in the same manner as the original.
Without the express written consent of Slate Risk, you are prohibited from:
- Using this website for any unlawful, unauthorized, fraudulent, or malicious purpose
- Using this site in a manner that could damage, disable, overburden, or impair any server or network
- Interfering with another person's use of this website
- Using data mining, robots, or similar data gathering tools on any portion of the website
- Gaining unauthorized access to accounts, computer systems, or networks
- Accessing materials, systems, data, or information not intended to be accessible to you
Slate Risk reserves the right to take any lawful action in response to any actual or suspected violations, including suspension or termination of access. Slate Risk may cooperate with legal authorities in the investigation of any suspected or alleged crime. Except as limited by the Privacy Policy, we reserve the right to disclose any information necessary to satisfy applicable law, regulation, legal process, or governmental request.
Trademarks
All trademarks, service marks, trade names, logos, and icons displayed on this website are proprietary to Slate Risk. Use of Slate Risk's trademarks, service marks, trade dress, or logos without prior written authorization is strictly prohibited.
Passwords and Security
Slate Risk requests that you do not send confidential or proprietary information through this website or by email unless using a secure method designated by Slate Risk. You acknowledge that information transmitted through the website may be subject to unauthorized access because it may not be encrypted.
Privacy Policy
Our Website Privacy Policy describes Slate Risk's collection, use, and protection of information obtained from users of this website. We urge you to read it. See our Privacy Policy .
Insurance Regulatory Notice
Slate Risk operates as a Managing General Agent (MGA) in the Excess and Surplus (E&S) insurance market. Insurance products described on this website may not be available in all states or jurisdictions. Availability of coverage depends on applicable state surplus lines laws, licensing, and underwriting criteria. Contact Slate Risk or your surplus lines broker to determine which products and services are available in your jurisdiction.
Choice of Law
These Terms of Use are governed by the laws of the Commonwealth of Virginia and controlling United States federal law, without regard to conflicts of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within the Commonwealth of Virginia. If any provision herein is deemed unlawful or unenforceable by a court of competent jurisdiction, it will not affect the validity and enforceability of the remaining provisions. Section headings are for convenience only and have no legal force or effect.
Agreement to Arbitrate
Any controversy or claim arising out of or relating to these Terms of Use or use of this website shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association, except that Slate Risk may seek injunctive or other appropriate relief in any state or federal court to protect its intellectual property rights.
Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated with any claim of any other party. You agree that the arbitration shall be conducted in Richmond, Virginia and that any action to enforce this arbitration provision will be brought in federal or state courts located in Virginia. Either party may seek interim or preliminary relief from a court of competent jurisdiction as necessary to protect the rights or property of either party pending the completion of arbitration.
Updates
Slate Risk reserves the right to change these Terms of Use to address future developments of the company or the website, or changes in industry or legal trends.
Terms of Use Last Updated: March 31, 2026