Terms & Conditions

Effective March 1, 2026

Last updated: March 6, 2026

Meyer-Badenhop Insurance and its subsidiaries and affiliates, (collectively “Meyer-Badenhop Insurance”, “we”, “us”, “our”, or “ours”), give you the ability to do more online on meyerbadenhop.com, the websites of our affiliates, and through our mobile applications (the “Site”). You can use the Site for online access to your personal accounts, our product information, educational content, our services, and self-help tools (“Online Activities”).

When you access the Site, you are agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively “Terms and Conditions”). The Terms and Conditions are in addition to any other agreements between you and Meyer-Badenhop Insurance.

Meyer-Badenhop Insurance reserves the right to modify or change the Terms and Conditions at any time without prior notice to you. Such modification or change shall be effective upon posting by Meyer-Badenhop Insurance on the Site. You agree to be bound to any changes to these Terms and Conditions when you use the Site after any such change is posted.

Read all of our Terms and Conditions or jump right into a topic:

Disclaimer of warranties

All information and other materials present on the Site (“Content”), including (without limitation) products and services, are provided “as is.” There are no warranties about the Content’s nature or accuracy (either when posted or as a result of the passage of time). There also are no representations or guarantees.

Meyer-Badenhop Insurance disclaims all warranties, express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy with regard to any website owned by a third party to which or from which the Site is linked (“Linked Website”). Meyer-Badenhop Insurance does not endorse and is not responsible for the capabilities or reliability of any product or service obtained from a Linked Website.

The information, products, software or service descriptions published on the Site or a Linked Website may include inaccuracies or typographical errors. Meyer-Badenhop Insurance disclaims liability for such errors and does not warrant or represent that the Content on the Site or a Linked Website is updated or complete. Meyer-Badenhop Insurance has no obligation to update any Content on the Site and may change or improve the Site at any time without notice.

Meyer-Badenhop Insurance does not endorse and is not responsible for the accuracy or reliability of any opinion, advice, or statement made through the Site by any party other than Meyer-Badenhop Insurance.

Meyer-Badenhop Insurance makes no representations, warranties, or guarantees that the Site will be accessible continuously and without interruption or errors.

Limitation of liabilities

Meyer-Badenhop Insurance’s liabilities

In no event will Meyer-Badenhop Insurance, its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you have notified Meyer-Badenhop Insurance about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use, or Content of the Site or a Linked Website. This applies whether such claims are brought under any theory of law or equity.

This limitation on liability includes (but is not limited to) transmission of viruses that infects a user’s equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes, or other labor problems, or any force majeure.

Your liabilities

Meyer-Badenhop Insurance has the right to deny you access and use of the Site and its Content if you violate (as Meyer-Badenhop Insurance may determine in its sole and absolute discretion) any provision of the Terms and Conditions. Meyer-Badenhop Insurance reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Meyer-Badenhop Insurance harmless from any claim or demand (including reasonable attorneys’ fees) made by a third party in connection with (or arising out of your access to, or use of) the Site or any of its Content in a manner other than as expressly authorized by these Terms and Conditions. This includes your breach of the Terms and Conditions, or your violation of applicable laws or any rights of any third party.

Your privacy and security on the site

Personal information

Meyer-Badenhop Insurance takes your privacy and online security very seriously. Our Privacy Policy explains how we collect, use and share visitor information.

Updating your personal information

You are responsible for telling Meyer-Badenhop Insurance if you have changed your personal information, such as your name, telephone number, mailing address, email address or other personal information. You may update your personal information through our website(s), by calling your local agent.

Consent to recording activity on the site

We may record or capture your activity on the Site, including where you click and items that you view. When you access the Site, you are agreeing to these Terms and Conditions, including consenting to the recording or capturing of your activity on the Site.

Spamming and solicitation

You may not use any information obtained from the Site for spamming or solicitation.

Automated data collection

You may not collect data from the Site through automated means, such as harvesting bots, robots, crawlers, or scrapers.

Notice of applicability to children

The Site is not intended for children ages 13 and younger.

User IDs, passwords, or access codes

Some portions of the Site are restricted and require a user ID, password, or access code, for access. Unauthorized use of or access to these areas of the Site is prohibited. You are responsible for maintaining the confidentiality of your user ID, password, or any access code. You may not share your user ID, password, or any access code with other users or with third parties. Meyer-Badenhop Insurance is not liable for any loss, theft, or unauthorized disclosure or use of your user ID, password, or access code if you do not properly secure your user ID, password, or access code, or if you choose to share your user ID, password, or access code with another user or third party. You will immediately notify Meyer-Badenhop Insurance in the event of any loss, theft, or unauthorized disclosure or use of any user ID, password, or access code, or if you have reason to believe that your access to your account is no longer secure for any reason.

Conducting business electronically

Through your use of the Site for Online Activities, you agree to conduct business and certain transactions with Meyer-Badenhop Insurance electronically, including receiving information or documents through available electronic delivery methods. You agree that electronically delivered information or documents satisfy any legal requirement that such communications be in writing.

In order to conduct some Online Activities, you may be given the option to use electronic signatures in lieu of using your “wet” or traditional written signature. Electronic signatures may be provided in various forms on the Site, including but not limited to clicking or checking a box. You agree that your electronic signature shall have the same force and effect as if you had signed your name to a paper document.

If you do not want to conduct business electronically, you may discontinue your Online Activities at any time. In addition to these Terms and Conditions, Meyer-Badenhop Insurance’s Electronic Services and Document Delivery Agreement will govern Online Activities and applicable electronic transactions.

Hyperlinks

From time to time, Meyer-Badenhop Insurance may authorize Linked Websites to or from the Site. Linked Websites are controlled and operated by third parties, not by Meyer-Badenhop Insurance. Meyer-Badenhop Insurance makes no representations, and disclaims all liability, as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Websites. The fact that Meyer-Badenhop Insurance authorizes Linked Websites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Websites or their owners, sponsors, or providers.

Using other aggregation websites

Other companies may offer aggregation websites and services that allow you to consolidate your financial account information from all of the financial institutions you do business with so that you can view all your account information at one online location. To do this, an aggregation provider may request access to your financial information, usernames, and passwords. Before you provide them with this information, you should use caution and ensure that the aggregator company has appropriate privacy and security practices in place to protect the information you provide, or to which they are gaining access.

We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your Site username and password. If you provide your Site username, password, or other information about your accounts with us to an aggregation website, we will consider you to have authorized all transactions or actions initiated by an aggregation website, whether you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website can no longer access your account.

Information about the operation of the site

Meyer-Badenhop Insurance operates the Site from its offices within the United States. Meyer-Badenhop Insurance does not represent that Content on the Site is appropriate or applicable for use in any other country. Access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you are accessing the Site on your own initiative and at your own risk. You are responsible for compliance with all local laws. These Terms and Conditions shall be governed by (and construed in accordance with) the laws of the United States and the State of Ohio. You consent to exclusive jurisdiction and venue in Franklin County, Ohio and waive the defense of forum non conveniens.

Submissions of unsolicited ideas

Meyer-Badenhop Insurance values your feedback. However, Meyer-Badenhop Insurance does not accept, review, or consider any unsolicited ideas, materials, proposals, suggestions, or other creative concepts or content, including for advertising campaigns, names, marketing strategies, new, modified, or different products, services, or technologies (collectively “Submission”) through the Site. Please do not send or provide any Submission in any form to Meyer-Badenhop Insurance or any of its employees or contractors. Meyer-Badenhop Insurance makes this request to avoid misunderstandings or disputes regarding the origin of any Meyer-Badenhop Insurance advertising, promotion, concept, product, service, or technologies that might seem similar to a Submission provided to Meyer-Badenhop Insurance.

If, despite our request that you not send us your Submission, you still submit them, then regardless of what your correspondence says, such Submission, along with related intellectual property rights will automatically become the property of Meyer-Badenhop Insurance without any compensation to you. Meyer-Badenhop Insurance is under no obligation to review the Submission. None of the Submission shall be subject to any obligation of confidence on the part of Meyer-Badenhop Insurance. Also, Meyer-Badenhop Insurance shall not be liable for any use or disclosure of any Submission and may use or redistribute the Submission for any purpose and in any way on an unrestricted basis.

Visitor submissions

All communications initiated by you (also defined herein as a “Visitor”) and made to or through portions of the Site that permit uploading of questions, comments, or other material are hereby considered “Visitor Submissions.”

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially-obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to Meyer-Badenhop Insurance’s Privacy Policy, or otherwise injurious to Meyer-Badenhop Insurance or third parties. Visitor Submissions also should not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Meyer-Badenhop Insurance), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to submit materials to the Site, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark, or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary, or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are (or purport to be) the personally identifiable information about others, such as full name, postal address, email address, telephone number, or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of Meyer-Badenhop Insurance. You grant Meyer-Badenhop Insurance a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable, and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also hereby granting to Meyer-Badenhop Insurance the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.

Visitor Submissions used, displayed, or propagated by Meyer-Badenhop Insurance or others licensed by Meyer-Badenhop Insurance to use Visitor Submissions may be attributed to you unless you have expressly requested anonymity. Meyer-Badenhop Insurance reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Meyer-Badenhop Insurance’s sole discretion and judgment. Meyer-Badenhop Insurance otherwise reserves the right to remove Visitor Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so.

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Meyer-Badenhop Insurance.

Important disclosures about Meyer-Badenhop Insurance products

(Please note: All products not offered by all companies in all states.)

Property and casualty insurance products

Products, coverages, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only. They do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Meyer-Badenhop Insurance-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state. Exclusions may apply.

Products underwritten by: Meyer-Badenhop Insurance and Affiliated Companies, including (without limitation):

Subject to underwriting guidelines, review, and approval. Products and discounts are not offered by all companies. Not all products and discounts are available to all persons in all states.

Tax advice disclaimer

The information contained herein was prepared to promote and support the marketing of the products and services of Meyer-Badenhop Insurance. It is not intended to constitute tax advice. It is not written or intended to be relied upon for the purpose of avoiding tax penalties that may be imposed on a taxpayer, and cannot be used by any taxpayer for that purpose. Meyer-Badenhop Insurance, its affiliates, employees, and representatives do not provide tax or legal advice. You should seek advice on matters related to taxes specific to your situation from your own independent tax advisor.

No offer

Information on the Site is not a solicitation, offer, recommendation, invitation, or inducement to buy or sell any investment or financial product, adopt an investment strategy or to enter into or conclude any transaction. Investors should discuss their specific situation with their financial professional.

Private equity investment

Investment in private equity can be risky and illiquid. The values of investments and income from them can fluctuate and sums invested can be lost. It can be difficult to assess or obtain reliable information on investments and their value. Information about current values or past performance is no indicator of future values or performance.