When we refer to “we,” “us,” or “our,” we mean Concord General Mutual Insurance Company or any other affiliated company within The Concord Group Insurance Companies, which includes Green Mountain Insurance Company, Inc., State Mutual Insurance Company, Sunapee Mutual Fire Insurance Company, and Vermont Accident Insurance Company, Inc.

When we refer to “you,” “your,” or “user,” we mean the person accessing this site. If the person accessing this site does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.

By accessing this site, continuing to access this site, or downloading materials from this site, you agree to abide by the Terms of Use described in this notice. If you do not agree to abide by these Terms of Use, do not use this site or download materials from this site.

This site is controlled, operated and administered by us from offices within the United States of America and for the purpose of servicing our policyholders and assisting independent insurance agents in the marketing and promoting of our products and services solely within the following states. We make no representation that our products and services or the materials at this site are appropriate or available in all states.

All coverage information provided by this site is in general terms and is superseded in all respects by the Insuring Agreements, Exclusions and Conditions of the Policy. Some coverages or discounts may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages or discounts may have been eliminated or modified since the posting on this site. The issuing, renewal, or cancellation of any insurance policy, policy terms and conditions, and rates are subject to underwriting review.

We authorize you to view and download materials from this site only for your use in connection with the lawful purchase, marketing and/or evaluation of our products and services. This authorization is not a transfer of any rights in the materials. Any copies you make of the materials (including by printing or by retaining electronic copies) are subject to the following restrictions.

1. You may not remove, or disassociate, from any of the materials our name or any copyright or other proprietary notices contained in the materials; and
2. Whether for profit or not, you may not modify, reproduce, display, perform, distribute, transfer, prepare derivative works from the materials, or otherwise use the materials or transfer the materials to any other person for any purpose not expressly permitted by these Terms of Use.

To the extent that you provide to us any third party or consumer information by submitting it to us or using it on this site, (including "Personal Information" (which includes, without limitation, "personal data," "personal information," "personally identifiable information," "personal health information," "nonpublic information," and "personal financial information," each as defined by privacy and data protection applicable laws relating to the collection, use, sharing, storage, transmission, and/or disclosure of information about an identifiable individual).):

1. You represent and warrant to us that you own, or possess sufficient rights in, or the authority to provide us with, all such information, including Personal Information; and
2. You grant to us an exclusive, irrevocable, worldwide, fully-paid, royalty-free license to use, reproduce, display, publicly perform, prepare derivative works from, transmit and distribute such information as we see fit for the purpose of underwriting, issuing and/or servicing the products or services we provide. 

Your use of this site establishes a business or other applicable relationship with us for purposes of CAN-SPAM, the Telephone Consumer Protection Act, and all other applicable law that addresses unsolicited commercial communications. By accessing, or continuing to access, this site, you agree that we or independent insurance agents may call, e-mail, or otherwise communicate with you regarding promotion of the products or services we provide.

You may not make any statements on, or provide or post any information to, this site that is, knowingly false, misleading, defamatory, threatening, obscene, harassing, or otherwise unlawful, or that, without proper notice and authorization, incorporates the proprietary material of another or the Personal Information of any consumer which is protected by any privacy laws and/or regulations including, but not limited to, the Gramm-Leach-Bliley Financial Modernization Act, the California Consumer Privacy Act, the Health Insurance Portability and Accountability Act, and/or any similar state or federal privacy law or regulation.

Enrollment by legitimate users is required as a condition for accessing some services or resources provided on this site. Unauthorized use of or access to these areas is prohibited. We reserve the right to reject or discontinue site access or services to any user at our sole discretion. 

You agree not to attempt to: a) interrupt the operation of any site; b) gain unauthorized access to our computers or computer codes; or c) introduce any electronic data or software containing viruses, worms, Trojan horses, web robots, crawlers, wanderers, spiders, and the like, or other destructive material to our computers which if transmitted through a software or electronic medium would adversely affect any computer software, hardware or telecommunications equipment.

Until you notify us otherwise and we have had a commercially reasonable time to respond to your notice, we may, and will, assume that every transaction entered into, every authorization received, and every act or omission undertaken using your email address and password ("Login Credentials") are fully authorized by you. You are entirely and absolutely responsible for all activity performed or information disseminated through the use of your Login Credentials. IT IS A VIOLATION OF THESE TERMS AND CONDITIONS FOR YOU TO ALLOW ANOTHER PERSON TO USE YOUR LOGIN CREDENTIALS FOR ACCESS TO THIS SITE. PLEASE KEEP YOUR LOGIN CREDENTIALS CONFIDENTIAL.

We may terminate, change, suspend, interrupt, or discontinue any aspect of any site, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without notice or liability. We may terminate the authorization, rights, and license given above.

This site and its content contain copyrights by us or other third parties and all rights are reserved.

ALL RIGHTS TO THE SITE DESIGN, ALL MATERIALS ACCESSED, VIEWED, OR OBTAINED AND POSTED AND/OR PROVIDED ON SITES ARE RETAINED BY US WITH THE RIGHT TO ENFORCE INTELLECTUAL PROPERTY RIGHTS IN SUCH MATERIALS. YOU MAY NOT COPY OR DISTRIBUTE ANY MATERIAL ACCESSED, VIEWED, OR OBTAINED FROM ANY SITE, EXCEPT AS EXPRESSLY PROVIDED HEREIN OR WITHOUT OUR EXPRESS WRITTEN PERMISSION.

Trademarks of others are the property of their respective owners. We make no claim to the trademarks of others.

We do not knowingly permit anyone to post materials on this site where such posting would violate copyright or other applicable law, including the Digital Millennium Copyright Act (“DMCA”) (including 17 USC § 512).

Except where controlled through regulations governing a user’s license to offer, sell, service or purchase our products and services, you must commence any suit or other action in connection with your use of any site within one year after events giving rise to the claim or cause of action occur. In no event shall these Terms of Use, serve to create or extend to any user any private claim or cause of action against us or our agents.

Except for policyholders having a legal right to bring a suit or other action against us within a state where a policy is issued, you irrevocably consent to the Choice of Law, Jurisdiction and Venue and Dispute Resolution provisions below.

The laws of the State of New Hampshire and the federal laws of the United States govern these Terms of Use. Any suit or other action arising out of, or in any way connected with, your use of any site may be brought only in the exclusive jurisdiction of the United States District Court for the District of New Hampshire.

In lieu of civil litigation, at our sole discretion, we may elect to have any dispute arising out of or related to your use of, or association with, this site to be settled solely by binding arbitration in accordance with the Commercial Dispute Resolution Procedures, or where appropriate, the Supplementary Procedures for Consumer-Related Disputes of the American Arbitration Association. The place of arbitration will be in the vicinity of Concord, New Hampshire. The arbitration will be conducted in English. Any award by the arbitration panel may be entered in, and enforced by, any court of competent jurisdiction.

If, for any reason, a Court of competent jurisdiction finds any provision of the Terms of Use or the Privacy Policy, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Terms of Use and the Privacy Policy, and the remainder of the Terms of Use and the Privacy Policy shall continue in full force and effect.

THE SITES AND ALL MATERIALS MADE AVAILABLE ON OR THROUGH THEM ARE PROVIDED CONDITIONAL ON THE USER RECOGNIZING THAT THE QUALITY, AND ACCURACY OF THE INFORMATION OBTAINED FROM THE SITE MAY DEPEND ON THE USER PROVIDING ACCURATE INFORMATION. WE FURTHER DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES, COSTS, SUITS, ACTIONS, LOSSES, OR ANY OTHER HARM THAT RESULTS FROM YOUR USE OF ANY INFORMATION, SERVICES OR MATERIALS PROVIDED BY OR THROUGH THIS SITE.

Without affecting any other limitation of liability contained in these Terms of Use or otherwise:

1. IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF ANY SITE OR ANY SERVICE RELATED THERETO, INCLUDING, WITHOUT LIMITATION, BODILY INJURY, EMOTIONAL DISTRESS, AND/OR ANY OTHER DAMAGES RESULTING FROM THE USE OF THE SITE; and
2. IN NO EVENT WILL WE BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE ANY SITE OR ANY SERVICE RELATED THERETO, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF WE KNOW OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

Supported Operating Systems: Windows 7, 8, 8.1, 10 (supported versions), Mac OS (versions 10.11.6 and higher), Android OS 6.0 Marshmallow and higher, and iOS OS version 11.0 and higher; Internet browser software: Google Chrome version 68 or higher, Mozilla Firefox version 61 or higher, or Apple Safari version 11 or higher; Access to an e-mail account that is capable of receiving e-mail messages. It is also recommended that your inbox has adequate message storage, and the ability to open a referenced link in an e-mail message; Adobe Acrobat Reader DC version 18 (2018.011.20055) or higher is recommended to view documents.

We work hard to make sure you are able to get the information you need. If you have trouble reading or using material on the site, please send us an email at CGIMAIL-CS@ConcordGroupIns.com or call us at 1-800-852-3380. We are happy to provide the material to you through other means.

We reserve the right, at our sole discretion and without any notice, to change, modify, add, or remove any portion of these terms and conditions at any time. Changes in these terms and conditions will be effective when the revised terms and conditions are posted on this site and/or otherwise communicated to you. Your use or continued use of any site after any changes to these terms and conditions are posted will be considered acceptance of those changes. PLEASE READ THESE TERMS OF USE AND THE SITE PRIVACY POLICY EVERY TIME YOU ACCESS ANY SITE TO MAKE SURE THAT YOU CONTINUE TO AGREE TO THEIR TERMS.

If you are accessing our payment website the following additional terms apply:

The following defined terms are used in these Terms of Use:

"Business Day" means Monday through Friday, excluding Federal Reserve holidays.

"Payee" means the merchant or other entity to which you authorize a bill payment to be directed.

"Payee Account" means the billing account with the merchant or other entity to which you authorize a bill payment to be directed.

"Payment Account" means the bank account that you authorize us to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

"Payment Card" means the credit card or debit card that you instruct us to charge to pay your bill payment.

"Payment Instruction" means your instruction and authorization to us to make a bill payment to a Payee.

"Scheduled Payment Due" means the Business Day of your choice upon which we will attempt to complete your bill payment and initiate the appropriate debit to your Payment Account or Payment Card.

The online services provide users with access to various on-line resources, including applications that allow you to view your bill. Unless explicitly stated otherwise, any new features that augment or enhance the current online services, including the release of new services, shall be subject to these Terms of Use. Upon your acceptance of these Terms of Use by clicking on the "I Accept" button below, we grant you a personal, nonexclusive, nontransferable, license to access and use the Services, subject to these Terms of Use, solely for your internal purposes. The forgoing license includes the specific rights to use the available applications and functionalities of the Services and to print information from the Services.

When you initiate a Payment Instruction, you authorize us to charge your Payment Card or debit your Payment Account and remit funds to us on your behalf so that the funds arrive as close to the Business Day designated by you as is reasonably possible. While it is anticipated that most transactions will be processed on the day you choose, it is understood that due to circumstances beyond our control, some transactions may take a day or so longer to be credited to your account.

If we are unable to obtain funds for a bill payment for any reason associated with your Payment Card or Payment Account (for example, there is not a sufficient balance available on your Payment Card or in your Payment Account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your Payment Instruction, we may attempt to contact you, using the telephone number you have provided.

If we make a bill payment to your account but are unable to obtain funds for that payment from your Payment Card or Payment Account, you agree that your bill payment will be reversed.

You further agree that by accepting these terms of use, you also authorize us to receive and process single and/or recurring payments Instructions from you over the telephone.

We will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:

• Sufficient funds are not available through your Payment Account or your Payment Card;
• Failure of any Payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;
• The bill payment service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
• You do not provide us with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct account information; or
• Circumstances over which we have no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the Internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of God, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.