Terms of use

Nothing here is an offer of insurance

Every premium, limit, deductible and endorsement shown on this site is illustrative. No figure here is a quote, a binding indication, or an offer to write a policy. Coverage can only be bound by a licensed producer after underwriting, and the policy document controls in every case where this site and the policy disagree.

Products and coverages are not available in all states. Ironclad Mutual is described as licensed in 14 states, and forms, endorsements, eligibility and rates vary by state filing.

The policy is the contract

Descriptions of coverage on this site are summaries. They are simplified by necessity and they omit conditions, definitions and exclusions that appear in the actual form. The declarations page, the policy form and any attached endorsements together are the contract. Read them.

Accuracy and availability

We aim to keep this site accurate but make no warranty that it is complete, current or error free. Insurance regulation, filed rates and available forms change continuously and state by state. Nothing here should be relied on as legal, tax or financial advice.

Access to the site may be interrupted, restricted or withdrawn at any time without notice.

Links to other sites

This site links to the National Association of Insurance Commissioners and to AM Best so that a reader can independently verify any carrier. Those organisations are not affiliated with Ironclad Mutual and we do not control their content.

Intellectual property

The layout, drawings, typography and code of this site are original work created for this demonstration. The isometric drawings, the specification system and the title block are authored, not licensed from a stock library.

Contact

Ironclad Mutual, 2100 Superior Viaduct, Suite 400, Cleveland, OH 44113. Telephone (216) 555-0142.