Terms and Conditions

Effective Date: May 29, 2023

By accessing or using any online and mobile websites, applications, platforms, and/or services ("Online Services”) owned and operated by Southern Guaranty Insurance Company (“SGIC”) or any of SGIC’s affiliates or related companies, you agree to these terms of use (“Terms”) and SGIC’s Privacy Policy. These Terms affect your legal rights and obligations. Please review them carefully.

SGIC reserves the right to change these Terms at any time, and any modifications will be effective immediately upon posting. You are responsible for regularly viewing these Terms. Your affirmative act of accessing or using the Online Services constitutes your electronic signature to these Terms and your consent to enter into this agreement electronically.

Website User Agreement

SGIC’s Online Services provide customer support, corporate information, and other services, subject to your compliance with all of the Terms set forth herein.

Consent to Monitoring

Any activity on the Online Services is subject to monitoring by SGIC at any time. Anyone who uses the Online Services consents to such monitoring and agrees that SGIC may use the results of such monitoring without limitation.

Content / Use Restrictions / Licenses

No content or material from the Online Services (“SGIC Material”) may be copied, harvested, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of SGIC. It is a condition of your use of the Online Services that you do not restrict or inhibit any other user from using the Online Services. The Online Services are solely for your personal and non-commercial use. You may print and download portions of SGIC Material from the different areas of the Online Services solely for your own noncommercial use, provided that you agree not to change or delete any copyright or proprietary notices from the same.

Except as otherwise specified, you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Online Services. Modification of the SGIC Material or use of the SGIC Material for any other purpose is a violation of SGIC’s copyright, service mark, and/or other proprietary rights. You agree to grant to SGIC a non-exclusive, royalty-free, worldwide, perpetual license with the right to sub-license, reproduce, transmit, create derivative works, publicly display, and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products or services) you submit to any public areas of the site (such as message boards) or by email to SGIC by all means and in any media now known or hereafter developed. You also grant SGIC the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing, and promotional materials related thereto. You agree that you shall have no recourse against SGIC for any alleged or actual infringement or misappropriation of any proprietary right in your communications to SGIC. If you believe that content appearing on the Online Services constitutes copyright infringement of another party’s rights, please contact compliance@sginsco.com or by mail at:

  • Southern Guaranty Insurance Company
    6021 142nd Ave N Clearwater, FL 33760

Unlawful Use Prohibited

As a condition of your accessing and/or use of the Online Services, such Online Services may not be used for any purpose that is unlawful or prohibited by these Terms. You may not use the Online Services in any manner which could damage, disable, overburden, or, in any way, impair the Online Services or interfere with any party’s use and enjoyment of the Online Services. You may not attempt to gain unauthorized access to the Online Services, other accounts, computer systems or networks connected to the Online Services, including, without limitation, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through means not intentionally made available by SGIC through the Online Services.


SGIC, and/or any other names used by SGIC or its publications, products, content, or services referenced herein or on the Online Services are trademarks or registered trademarks of SGIC or its related, affiliated companies. The names of actual companies and products mentioned herein or referenced via the Online Services may be the trademarks of their respective owners. Any rights not expressly granted herein are reserved.

Disclaimer and Assumption of Responsibility

By using the Online Services, you understand and acknowledge that, except for information, products, or services clearly identified as being supplied by SGIC (“SGIC Identified Content”), certain information, products, or services available via the Online Services may not be operated, controlled, or endorsed by SGIC. Except for “SGIC Identified Content,” all information, products, and services offered through the Online Services or on the internet generally are offered by third parties. You also understand and acknowledge that SGIC cannot and does not guarantee or warrant that any information or files that are accessible and/or that may be available for downloading through the Online Services will be free of infection or viruses, worms, Trojan horses, or other code that manifests contaminating or destructive properties.

The Online Services, including any SGIC Material and SGIC Identified Content, made available pursuant to these Terms are provided “AS IS” and without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, workmanlike effort, title, and non-infringement, and SGIC hereby disclaims all the foregoing. Further, SGIC does not warrant that any content or functionality contained in the Online Services will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. SGIC does not warrant or make any representations regarding the use or the results of the use of the Online Services in terms of their correctness, accuracy, timeliness, reliability or otherwise. The mention of specific products or services at this site does not constitute or imply a recommendation or endorsement by SGIC, unless it is explicitly stated. You assume the entire cost of all necessary maintenance, repair, or correction.

Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

Unauthorized Access and Infringement

You specifically agree that SGIC shall not be responsible for any unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Online Services. You specifically agree that SGIC is not responsible or liable for any content or conduct of any other party or any infringement of another’s rights, including intellectual property rights.

Limitation of Liability

To the fullest extent permitted by applicable law, SGIC and its related, affiliated companies shall not be liable for (1) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Online Services, or any information or transactions provided on the Online Services or downloaded via the Online Services, or any delay of such information or service, including as the result of SGIC’s negligence, and even if SGIC or its authorized representatives have been advised of the possibility of such damages, or (2) any claim attributable to errors, omissions, or other inaccuracies on the site and/or materials or information downloaded through the Online Services.

This limitation of liability does not apply if you are a New Jersey resident. With respect to residents of New Jersey, any released parties are not liable for any damages unless such damages are the result of our negligent or reckless acts or omissions; and any released parties are not, in any case, liable for indirect, incidental, special, consequential or punitive damages. Other states may also limit liability. If your state does not allow this type of limitation, one or more of the limitations above may not apply to you.

Third-Party Terms

SGIC makes no representation whatsoever about any other website that you may access through the Online Services or that may link to this site. When accessing third-party websites or applications connected to the Online Services, you acknowledge that such third-party websites or applications are independent from SGIC. In addition, a third-party link to the Online Services does not mean that SGIC endorses or accepts any responsibility for the content, or the use, of such third-party website linking to the Online Services.

You agree to comply with all applicable terms, conditions and agreements between you and any third party that provides products or services that facilitate or enable your access to or use of the Online Services, and you acknowledge and agree that your use of the Online Services may result in charges to you by those third parties in connection with the products and services they provide to you (such as data plan charges), and you will be solely responsible for any such charges.

You also specifically acknowledge and agree that SGIC is not liable for any defamatory, offensive or illegal content or conduct of any user of the Online Services. If you are dissatisfied with any of the SGIC material, or with the Terms hereof, your sole and exclusive remedy is to discontinue using the Online Services.


You agree to defend, indemnify and hold harmless SGIC, its affiliates and subsidiaries, and its officers, directors, employees, principals, agents, distributors, representatives, proprietors, partners, shareholders, principals, predecessors, successors and assigns from and against any and all claims, demands, liabilities, costs or expenses, including reasonable attorney's fees, resulting from your breach of these Terms, including any of the foregoing provisions, representations or warranties, from your placement or transmission of any content onto SGIC's servers and/or from any and all use of the Online Services or your account, as applicable. You may not transfer or assign any rights or obligations under this agreement. In any litigation, you will cooperate with SGIC in asserting any available defenses.

Reservation of Rights

SGIC reserves the right to modify or discontinue, temporarily or permanently, all or any part of the Online Services and/or any software, facilities, and services on the Online Services with or without notice and/or to establish general guidelines and limitations on their use.

Governing Law

The Terms mentioned herein shall be governed by, construed, and enforced in accordance with the laws of the State of Florida, as they are applied to agreements entered into and to be performed entirely within Florida. Except where prohibited by law, any claim or disputes pertaining to SGIC’s intellectual property rights and certain statutory claims that, pursuant to law, are not arbitrable, shall be subject to the sole and exclusive jurisdiction of the federal and state courts in the State of Florida, and you hereby consent to the personal jurisdiction of those courts and waive any and all jurisdictional and venue defenses otherwise available. Any rights not expressly granted herein are reserved.

Unless you are a resident of New Jersey, you must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.


These Terms and any information included in the Online Services may be changed or updated without notice. Such Terms and information may be out of date at any given time since SGIC has no obligation to update information presented in the Online Services. SGIC may also make improvements and/or changes in products and/or services described in these Terms at any time without notice.

Contact Us

If you have any questions regarding these Terms, contact us at:

  • Southern Guaranty Insurance Company
    6021 142nd Ave N Clearwater, FL 33760