Website Terms of Use

Last updated: March 20, 2023

Who we are

Markel.ca is owned and operated by Markel Canada Limited and/or one or more of its affiliates (collectively, "Markel", “we”, “us” or “our”). Markel Canada Limited is a managing general agency, which in certain provinces also trades as “Markel”, “Markel Canada”, “Markel International” or “Allsport”. Markel Canada Limited has a registered address at 200 Wellington Street West, Suite 800, Toronto, ON M5V 3C7.

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 these terms of use (the “Terms”). These Terms include important disclaimers, warranties, and limitations on liability, and should be reviewed carefully. Each time you access and/or use our website, you acknowledge and agree that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you may not access or use any aspect of the website. We reserve the right to add, delete or otherwise modify portions of these Terms at any time. It is your responsibility to review the up-to-date version of the Terms whenever you visit the website. Your access to and use of this website is subject to all applicable federal, provincial, and local laws and regulations.

Please note that we may suspend, withdraw, or restrict the availability of all or any part of the website for any reason, in our sole discretion, with or without notice (including, for example, to conduct maintenance, updates, and/or repairs).

Geographic Limitations

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.

You are responsible for compliance with all applicable laws and regulations in connection with your access to and use of this website.

Markel makes no representation that any information, content, materials, or features/functions included on this website 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 website.

Prohibited Uses

You may access and use the website only for lawful purposes and in accordance with these Terms. You agree not to access or use the website, whether directly or indirectly:

• 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 anyone 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 unauthorised advertising or promotional material or any other form of similar solicitation (spam);
• to transmit any data, or 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;
• to input, upload, transmit, or otherwise provide to or through the website any information, data, or other materials that may permit unauthorized access to, or destroy, disrupt, disable, distort, or otherwise harm or impede all or part of the website; or
• to frame the website or any part thereof on any commercial or non-commercial internet website

or in any manner that is, in Markel’s sole discretion, abusive, offensive, inappropriate, or likely or intended to cause harm to any person.

You also agree:

• Not to reproduce, duplicate, reverse engineer, scrape, copy or re-sell any part of our site in contravention of the provisions of these Terms.
• Not to access without authority, interfere with, damage or disrupt:
• any part of our website;
• any equipment or network on which our website is stored;
• any software used in the provision of our website; or
• any equipment or network or software owned or used by any third party.
• Not to, directly or indirectly, bypass or breach, or attempt to bypass or breach, any security device or protection used in connection with the website, or interfere with or disrupt the integrity or performance of the website in any way.

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 Canadian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may access and use the website for your personal and/or internal business purposes, for non-commercial use only (provided, however, that the Markel appetite tool and claims submission forms may be used for commercial purposes). 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. Except as otherwise stated in these Terms, you must not access or use for any commercial purposes any part of the website or any services or materials available through the website. You may print or take a screenshot of the website for your own personal use, though you must retain all copyright and other proprietary notices contained on such print-out or screenshot in such case. 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.

In connection with your use of the website, you may choose to provide us with information or materials such as feedback, questions, comments, or suggestions for features, functionalities, or the like (collectively, “Feedback”). To the extent that Feedback does not contain information that identifies you, or otherwise cannot reasonably be used to identify you (including information or materials that we have de-identified), such Feedback shall be the exclusive property of Markel, and you unconditionally waive and assign to Markel all moral rights that you may now have or have in the future relating to such Feedback.

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 website, however we assume no obligation to oversee, monitor or moderate any interactive service we provide on our website. We expressly exclude our liability for any loss or damage arising from the use of any interactive service, including by a user in contravention of our content standards (see below), whether the service is moderated or not.

Disclaimer

If you are an individual to whom the Quebec Consumer Protection Act applies, the following paragraph may not apply to you.

This website has been prepared solely for the purpose of providing information about Markel and the services and products it offers through its affiliates. Markel has compiled this website 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 website 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, and the information provided on 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.

MARKEL DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MATERIAL. IF YOUR ACCESS TO OR 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, CONDITION, OR IMPLIED TERM OF ANY KIND. MARKEL, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS, 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 CANADA LIMITED OR ANY OF ITS AFFILIATES OR THEIR RESPECTIVE LICENSORS, SUPPLIERS, AGENTS, OR SERVICE PROVIDERS BE LIABLE 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 THIS WEBSITE OR SITES LINKED TO THIS WEBSITE (INCLUDING ANY INFORMATION PROVIDED THEREON).

Without limiting the foregoing, we are not responsible or liable for any malicious code, delays, inaccuracies, errors, or omissions arising out of your use of the website. You understand, acknowledge, and agree that you are assuming the entire risk including, without limitation, for accuracy, performance, quality, or security of any features or functions of the website or loss of data associated with your use of the website.

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. 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.

Trademark notice

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

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy. Please also read our Cookies 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 website. 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 website, you do so at your own risk, and waive any claims against Markel in connection with such third-party sites.

Indemnity

By using this website, you agree to defend, indemnify, and hold harmless Markel Canada Limited, its affiliates, and its and their officers, directors, employees, agents and representatives, from and against any and all losses, claims, liabilities, damages, costs and expenses (including reasonable legal and accounting fees) arising or resulting from your use of the website 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 or 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 website.

Legal disputes and choice of law

Unless you are an individual to whom the Québec Consumer Protection Act applies, these Terms and all related transactions are governed by laws of the province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of laws principles. If you are an individual to whom the Québec Consumer Protection Act applies, these Terms and all related transactions are governed by laws of the province of Québec and the federal laws of Canada applicable therein, without regard to its conflict of laws principles.

General

Section headings are for reference purposes only and in no way define, limit, construe or describe the scope of such section. If any of the provisions of these Terms are, for any reason, held to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability will not affect any other provisions of these Terms, and these Terms will be construed as if they had never contained such invalid, illegal, or unenforceable provision. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. These Terms are binding upon and will enure to the benefit of the parties and their respective successors, heirs, executors, administrators, personal representatives and permitted assigns. You may not assign or transfer your rights or obligations under these Terms without our prior written consent, which consent will be at our sole discretion. Markel may assign the Terms to any party at any time without notice to you.