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.
Agreement to be Bound
Limited Use and Access
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.
Insurance Policy Terms and Conditions Control
All coverage information provided by this site is in general terms and is superseded in all respects by the Insuring Agreements, Exclusions and Conditions of the Policy.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.
Use of Materials
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.
- 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
Information Entered on this Site
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).):
- 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
- 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.
CAN-SPAM, Telephone Consumer Protection Act and Similar Law
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.
Privacy Notices and Authorized Use of this Site
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.
No Unauthorized Access, Intentional Interruption or Destructive Material
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.
Responsibility for Your Login Credentials
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.
Changes to and Availability of this Site
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.
Copyrights and Other Intellectual Property
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).
Limitation of Actions
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.
Choice of Law, Jurisdiction, and Venue
Other Method of Dispute Resolution
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.
Disclaimer of Warranties
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.
Limitation of Liability
- 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
- 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.
Legal Notice: Software Requirements
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.
Web Accessibility Statement
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.
If you are accessing our payment website the following additional terms apply:
"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.
Description of Services
General Site Usage
Bill Payment Service
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.
Our Liability for Failure to Complete Transactions
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.