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 LEGAL POLICY


Employers Direct Insurance Company is domiciled in California with its headquarters in
Agoura Hills, California.
 
Employers Direct Insurance Company
California Certificate of Authority #07673

EMPLOYERS DIRECT INSURANCE COMPANY TERMS OF USE

Please read the notices contained below carefully as they form a legally binding contract
between you and Employers Direct Insurance Company TM ("Employers Direct"), which
owns and maintains this website.

Terms of Use
By accessing, using or viewing this website, you hereby agree to be bound by this Terms
of Use Agreement ("Terms of Use"). Employers Direct may revise these Terms of Use at
any time by updating this posting. If you access, use or view this website after such
revisions have been made, you will be bound by them, therefore, you are advised to
periodically review this page for such revisions. If you do not agree to the Terms of Use,
please exit this website.
 
Privacy Policy
Please review our Privacy Policy to understand our practices regarding your privacy in
connection with our online services.

Security
We understand that you may submit confidential, non-public personal information to our
website and we utilize stringent, industry recognized security measures to protect against
loss, misuse and unauthorized viewing of the information you provide to us.

Access to confidential, non-public personal information that you provide to Employers
Direct via the input forms provided on this website is limited to authorized employees
and agents of Employers Direct who are trained in the proper handling of our prospective
or current customers information and who must have it to provide products and services
to you. Additionally, in order to safeguard the privacy of information that you submit to
this website, Employers Direct maintains physical, electronic, and procedural safeguards
that comply with applicable federal and state law, including SSL encryption, firewalls,
user authentication systems and access control mechanisms to control access to any non-
public personal information that may be shared over this website. Employers Direct is
committed to ongoing testing and updating or our technology and security measures to
protect information about you.

You are advised that information sent via e-mail, or by other methods across the world
wide web, to Employers Direct are not secure transmissions, and Employers Direct
makes no guarantees regarding the privacy of such submissions while they are in transit.
If you wish to communicate confidential information to us, we recommend using a non-
cellular telephone rather than email.

Password Maintenance & Protection
This website may contain some services and features which may only be accessed by
entering a user name and password. You are responsible for maintaining the
confidentiality of your username and password, and for restricting access to your
computer. You agree not to disclose your password to any other person or entity, share
your password with any other person or entity, or give any other person or entity access
to this website. You further agree to accept responsibility for all activities that occur
under your username and password and to change your password if you learn that its
security has been compromised. Please be sure to exit or sign off after you have finished
your visit to this website.

Employers Direct reserves the right to block access, refuse service and terminate or
change usernames and passwords at any time for any reason.

Third Party Sites & Policies 
This website may contain links to other internet sites ("third-party sites") that are not
owned or maintained by Employers Direct. Employers Direct is not responsible for the
privacy practices or content of any other website that may be linked to the Employers
Direct website. Any links to third-party sites are included for your convenience and if
you link to one of these websites you are transferred to another website beyond the
control of Employers Direct. Your privacy at such sites will be governed by the privacy
policy at that website and not by Employers Direct's privacy policy. Thus, we encourage
you to read the privacy statement and terms of use agreement of any linked site as their
privacy policy and terms of use may differ from ours.

User Conduct
Employer Direct hereby grants you a personal, non-exclusive, non-transferable, revocable
license to access our site and the information contained within the site. You may not
assign or sublicense this license. This site and information contained within this site may
not be distributed, modified, reproduced, transmitted or used commercially in whole or in
part without our written permission, except that you may make a limited number of
copies from the site for your own internal business use and lawful use.

Our website may contain software tools and/or databases that allow you to submit, search
and retrieve information. You may make a very limited number of hard copies of this
website's content; and use any search output that does not contain a significant segment
of a database for your internal business and lawful use only. You may not (1) sell,
distribute or commercially exploit the database or such software tools, or the results of
any database search performed on this site; (2) use data mining, robots, or similar
gathering and extraction tools; (3) sell, rent, lease, lend, or transfer any services provided
on this site or assign or sublicense this license; or (4) post or transmit any information or
software which contains a virus, trojan horse, worm or other harmful component.

You may use our services for lawful purposes only. You may not use our services to post,
transmit or otherwise distribute unlawful material. Examples of unlawful material
include, but are not limited to, threats of physical harm, defamatory, fraudulent or
libelous statements, pornographic material, copyrighted, trademarked, and other
proprietary material used without proper authorization. You may not attempt to use or
distribute tools designed for compromising security or take action to compromise the
security of this site. Examples of these tools include, but are not limited to, password
guessing programs, cracking tools, or network probing tools. You may not "flood" or
disrupt our site through any means or process. You are responsible for all use of our
services and our site, with or without your consent, by yourself and others, which occurs
by, through, or in connection with access to our site via your computer.

Warranties & Disclaimers
BY USING THE EMPLOYERS DIRECT WEBSITE, YOU ASSUME ALL RISK FOR
ANY AND ALL USE OF THIS SITE. THE INFORMATION PROVIDED THROUGH
THE EMPLOYERS DIRECT WEBSITE IS FOR GENERAL INFORMATIONAL
PURPOSES AND IS NOT INTENDED TO BE A COMPLETE DESCRIPTION OF
THE TERMS, EXCLUSIONS, AND CONDITIONS APPLICABLE TO EVERY
INSURANCE PRODUCT OR SERVICE OFFERED BY EMPLOYERS DIRECT.
WHILE EMPLOYERS DIRECT AIMS TO KEEP THE INFORMATION ON THIS
SITE AS CURRENT AND ACCURATE AS POSSIBLE, THE CONTENT OF THIS
SITE, INCLUDING ANY LINKS TO THIRD-PARTY CONTENT, IS PROVIDED "AS
IS" AND WITHOUT WARRANTIES, EXPRESS OR IMPLIED, AS SUCH
EMPLOYERS DIRECT ASSUMES NO LIABILITY OR RESPONSIBILITY FOR
ANY ERRORS OR OMISSIONS IN, OR RELIANCE UPON, THE INFORMATION IN
THIS SITE.

ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED,
INCLUDING BUT NOT LIMITED TO: (1) ACCURACY, COMPLETENESS, OR
AVAILABILITY OF CONTENT, (2) NON-INFRINGEMENT, MERCHANTABILITY,
OR FITNESS FOR A PARTICULAR USE OR PURPOSE ARE HEREBY EXCLUDED
TO THE FULLEST EXTENT OF THE LAW.

Limitations of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EMPLOYERS DIRECT
SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OR
INJURY, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT,
CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES,
PERSONAL INJURY, MENTAL ANGUISH, EMOTIONAL DISTRESS, OR
WRONGFUL DEATH THAT RESULT FROM THE USE OF, OR INABILITY TO
USE THIS SITE OR THE MATERIALS PROVIDED ON THIS SITE, OR THE
SERVICES OR PRODUCTS RECEIVED FROM THIS SITE. THIS INCLUDES, BUT
IS NOT LIMITED TO, DAMAGES RESULTING FROM ACTIONS TAKEN BY YOU
OR OTHERS IN RELIANCE ON INFORMATION CONTAINED IN THIS SITE. YOU
SPECIFICALLY ACKNOWLEDGE THAT EMPLOYERS DIRECT IS NOT LIABLE
FOR ANY OFFENSIVE, DEFAMATORY, OR ILLEGAL CONDUCT OF ANY
VISITOR TO THIS SITE, OR USER OF INFORMATION OBTAINED THROUGH
THIS SITE. YOU AGREE THAT EMPLOYERS DIRECT SHALL NOT BE LIABLE
FOR ANY DAMAGES UNDER ANY INDEMNITY OR THEORY, INCLUDING,
WITHOUT LIMITATION, LIABILITY ARISING OUT OF CONTRACT,
NEGLIGENCE, STRICT LIABILITY, TORT, PATENT OR COPYRIGHT
INFRINGEMENT.
 
Indemnity
You agree to defend, indemnify and hold Employers Direct harmless from and against
any and all claims, demands, liabilities, judgments, losses, damages, costs, fees and
expenses, including but not limited to reasonable attorneys fees arising from or relating
to your use of this website or your acts or omissions relating to this website, including but
not limited to: (1) infringement or misappropriation of any intellectual property rights, (2)
defamation, libel, slander, obscenity, pornography, or violation of the rights of privacy or
publicity, or, (3) spamming, or any other offensive, harassing or illegal conduct or
violation of this Agreement, or (4) any damage or destruction to our site, or to us, or to
another person which is caused by or otherwise results from your acts and omissions.

Losses due to Extraordinary Events
Employers Direct shall not be liable for any losses, failure or delay in our performance
due to any cause beyond our reasonable control, including the act or war, acts of God,
earthquake, flood, embargo, riot, sabotage, labor shortage or dispute, governmental act or
failure of the Internet.

Copyrights, Trademarks & Trade Dress
All content included on the site, the compilation of all content on the site and all software
used on the site are the property of Employers Direct, its affiliates or its content suppliers,
and are protected by U.S. and international copyright and trademark laws. Furthermore,
EMPLOYERS DIRECT INSURANCE COMPANY, the stylized logo, and "California's
Workers' Comp Specialist," as well as other marks so indicated on the site and other
Employer's Direct graphics, logos, images, page headers and titles, button icons, scripts
and trade and service names, are the copyrights, trademarks, trade dress and/or other
intellectual property of Employer's Direct in the U.S. and other countries.

Except as provided in the "User Conduct" section above, unless you receive Employers
Direct's prior express written consent, you may not: (1) copy, reproduce, publish,
distribute, create derivative works of, sell, transfer, display, transmit, compile or collect
in a database, or in any manner commercially exploit, any copyright-protected element of
the site, including the content and/or software on the site; (2) make any use of Employers
Direct's trademarks, trade dress and/or other intellectual property; (3) frame or utilize
framing techniques to enclose any trademark, logo, or other proprietary information
(including, but not limited to, images, text, page layout, and/or form) of Employers
Direct; or (4) use any meta tags or any other "hidden text" utilizing Employers Direct's
name or trademarks. Permission requests may be sent to www.edicwc.com.

Alleged copyright, trademark and trade dress violations should be reported to the
Employers Direct webmaster in care of this site. Employers Direct makes no
representations concerning, and assumes no liability for any infringing or non-infringing
nature of any trademarks which appear on the site but are not owned by Employers
Direct.

Termination for Failure to Comply with Terms of Use
We reserve the right to investigate suspected violations of this Agreement. If we become
aware of possible violations, we may initiate an investigation that may include gathering
information from you or any user involved and the complaining party, if any, and
examination of other material. We may suspend the provision of our services temporarily,
or we may permanently remove the material involved from our servers, cancel posts,
provide warnings to you, or suspend or terminate your access to our services. We will
determine what action will be taken in response to a violation on a case-by-case basis,
and at our sole discretion.

You also hereby acknowledge that your breach of these Terms of Use may result in
immediate and irreparable harm to Employers Direct, for which there will be no adequate
remedy at law, and that Employers Direct shall be entitled to equitable relief to compel
you to cease and desist all unauthorized use of this website. Your breach of these Terms
of Use may also entitle Employers Direct to bring an action against you for any and all
other remedies available at law or in equity.

Applicable Laws
The laws of California govern this agreement. You agree that any legal action between
you and Employers Direct shall be brought exclusively in a federal or state court of
competent jurisdiction sitting in California.

General Information
These Terms of Use constitute the entire agreement between you and Employers Direct
and govern your use of this website. This agreement supercedes any prior agreements
between you and Employers Direct. A waiver of any breach of any provision of these
Terms of Use shall not be deemed to be a waiver of any repetition of such breach or in
any manner affect any other terms or conditions of these Terms of Use. The failure of
Employers Direct to exercise or enforce any right or provision of the Terms of Use shall
not constitute a waiver of such right or provision. If any provision of the Terms of Use is
found to be invalid, the parties nevertheless agree that the court should endeavor to give
effect to the parties intentions as reflected in the provision, and the other provisions of
the Terms of Use remain in full force and effect. You agree that regardless of any statute
or law to the contrary, any claim or cause of action arising out of or related to use of this
website or the Terms of Use must be filed within one (1) year after such claim or cause of
action arose or be forever barred.

All Rights Reserved. All rights not expressly granted herein are hereby reserved.