This Website is for the education of visitors only and is not intended to constitute an offer to solicit business.

Acceptance of Terms

This website (the “Website”) is owned and maintained by RenaissanceRe Holdings Ltd. or one or more of its affiliates. In this Legal Disclaimer, references to “RenaissanceRe,” “we,” “us,” and “our” refer to RenaissanceRe Holdings Ltd. together with its subsidiaries and affiliates, unless the context requires otherwise. The “RenaissanceRe Group of Companies” or the “RenaissanceRe Group” is comprised of RenaissanceRe Holdings Ltd. and its subsidiaries, joint ventures and managed funds.

The RenaissanceRe Group of Companies includes insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business located in various countries or various jurisdictions within the United States. This Website provides users with access to an online collection of information and materials, including text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively, “Content”).

PLEASE NOTE: Your access to and use of this Website are subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of these terms or conditions, you are not authorized to access or otherwise use this Website or any information or Content contained on this Website. Your access to and use of this Website constitute your acceptance of and agreement to abide by each of the terms and conditions set forth below. These Terms of Use may be changed, modified, supplemented or updated by RenaissanceRe from time to time without advance notice. Unless otherwise indicated, any new Content added to this Website will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review this Website periodically for updates and changes.

Limited License and Site Access

You warrant that when using this Website you shall not:

1. resell or transfer any Content of the Website;
2. impersonate, or otherwise misrepresent your affiliation with any other person or entity;
3. modify, falsify, or delete any attributions, legends, marks, notices, or any other proprietary designation of the origin or source of any material (including Content) appearing on the Website;
4. copy, transmit, reproduce, modify, create derivative works of, distribute or in any way exploit any information, content, component or other material obtained through the Website (other than as expressly permitted by these Terms of Use);
5. violate, attempt to violate or assist, intentionally, negligently or otherwise, in any violation of the confidentiality or security of any information provided to RenaissanceRe by other Website users;
6. use any robot, spider, or other automatic device, or manual process to monitor or copy the Website pages or the contents contained therein without the prior, express written permission of RenaissanceRe; or
7. violate or facilitate any violation of any applicable local, state, federal, or international law, statute, regulation, code, or ordinance, including, without limitation, regulations promulgated by or the rules of any national or other securities exchange. The permission to use the Website granted by these Terms of Use automatically terminates if you breach any of the terms and conditions contained herein. Upon termination, you must immediately leave this website and destroy any downloaded or printed materials.

RenaissanceRe reserves its right to prevent you from accessing this Website if you do not comply with any part of these Terms of Use.

Availability of Products and Services

THIS WEBSITE PRESENTS GENERAL INFORMATION REGARDING OPERATING SUBSIDIARIES WITHIN THE RENAISSANCERE GROUP OF COMPANIES. IT IS NOT INTENDED TO AND DOES NOT CONSTITUTE AN OFFER TO SOLICIT BUSINESS, AND DOES NOT CONTAIN A COMPLETE DESCRIPTION OF ANY REINSURANCE PRODUCT, INSURANCE PRODUCT, OR INSURANCE-RELATED SERVICES, WHICH MAY BE OFFERED FOR SALE BY ANY COMPANY IN THE GROUP.

The RenaissanceRe Group includes insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and various states of the United States. When the term “RenaissanceRe”, “RenaissanceRe Group” or “RenaissanceRe Group of Companies” is used, this reference does not indicate or infer that any individual company within the RenaissanceRe Group conducts or conducted specific activities, offers a specific product, or has a particular licensing status in a jurisdiction.

Not all insurance coverages or products are available in all jurisdictions, and all coverages and products are subject to meeting the company’s underwriting requirements. Insurance policies issued by non-U.S. companies, are not protected or guaranteed by state insurance guaranty associations or insolvency funds.
Potential reinsureds and insureds should not rely on specific information on this Website with regard to the products offered by any company within the RenaissanceRe Group, but should instead contact a retail producer, broker, or reinsurance intermediary for complete information regarding the terms and details of our insurance products. Our operating insurance companies do not offer or solicit business except through licensed producing agents, brokers, or reinsurance intermediaries, as applicable.

Companies that are part of the RenaissanceRe Group that are not the issuers of a policy as shown on the Declarations Page of the policy have no financial responsibility for the products written or liabilities incurred by the company issuing the product.

Not all insurance coverages or products are available in all jurisdictions, and all coverages and products are subject to meeting the company’s underwriting requirements.

Potential reinsureds and insureds should not rely on specific information on this Website with regard to the products offered by any company within the RenaissanceRe Group, but should instead contact a retail producer, broker, or reinsurance intermediary for complete information regarding the terms and details of our insurance products. Our operating insurance companies do not offer or solicit business except through licensed producing agents, brokers, or reinsurance intermediaries, as applicable.

Companies listed on this Website, which are not the issuers of the policy as shown on the Declarations Page of the policy, have no financial responsibility for the products written or liabilities incurred by the company issuing the product.

Copyright

Except as otherwise expressly stated, all Content appearing on this Website is the copyrighted work of RenaissanceRe or one or more of its affiliates, or third-party content suppliers, and is protected by U.S. and international copyright laws. The compilation (meaning the selection, arrangement and assembly) of all Content is also the exclusive property of the RenaissanceRe Group and is protected by U.S. and international copyright laws.

You may download information from this Website and print out a hard copy for your personal use, provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, Copyright, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content, obtained from this Website, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of RenaissanceRe or any applicable third-party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by RenaissanceRe. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither RenaissanceRe nor its affiliates warrant or represent that your use of Content or any other materials displayed on this Website will not infringe rights of third parties.

Trademarks and Service Marks

The names, logos, taglines and other marks identifying any of the RenaissanceRe Group companies or its products and services are proprietary marks of RenaissanceRe. Any other trademarks and service marks are the property of their respective owners.

Ownership of information submitted via this Website

With the exception of any personal data or information you submit, any information you transmit to RenaissanceRe via this Website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of RenaissanceRe. Such information may be used for any purpose, including but not limited to reproduction, distribution, public display, disclosure, transmission, publication, broadcast, and posting. RenaissanceRe shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to RenaissanceRe via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Connection Requirements

You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Website, and RenaissanceRe reserves the right to change the access configuration of this Website at any time without prior notice.

Prohibited Use

You are prohibited from any use or attempted use of this Website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) that interferes with any other party’s use and enjoyment of the Website, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by RenaissanceRe to be made accessible to a user, or (vi) to attempt to obtain any materials or information through any means not intentionally made available by RenaissanceRe, or (vii) for any use other than the business purpose for which it was intended, is prohibited.

Right to Monitor

RenaissanceRe neither actively monitors general use of this Website under normal circumstances nor exercises editorial control over the content of any third party’s website, electronic mail transmissions, news group, or other material created or accessible over or through this Website. However, RenaissanceRe does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in RenaissanceRe’s sole discretion, may be illegal, subject RenaissanceRe to liability, violative of these Terms of Use, or, in the sole discretion of RenaissanceRe, be inconsistent with RenaissanceRe’s purpose for this Website.

Hyperlinks to Third Party Web sites

This Website may contain hyperlinks to and Content from other sites owned and operated by parties other than RenaissanceRe. Such hyperlinks and Content are provided only for ready reference and ease of use. We do not control such websites, cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Website provides hyperlinks to or Content from other websites that are not owned, operated or maintained by RenaissanceRe or its affiliates, you acknowledge and agree that RenaissanceRe is not responsible for and is not liable for the content, products, services or other materials on or available from such websites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third-party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. RenaissanceRe is under no obligation to maintain any link on this Website and may remove a link at any time in its sole discretion for any reason whatsoever. Neither RenaissanceRe nor its affiliates shall be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website.

No RenaissanceRe Editorial Control of Third-Party Content; No Statement as to Accuracy

To the extent any of the Content included in the Website is provided by third-party content providers, RenaissanceRe has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third-party suppliers on this Website are those of such third-party suppliers. RenaissanceRe does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Website or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with RenaissanceRe.

Modification to Content

RenaissanceRe may, at its discretion, modify or discontinue any of the Content, or any portion thereof, with or without notice. RenaissanceRe will not be liable to you or any third party for any modification or discontinuance of any of the Content.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT RENAISSANCERE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, OR USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE RENAISSANCERE GROUP OR ITS AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEBSITE OR CONTENT, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, ANY STATEMENT OR CONDUCT OF ANY THIRD-PARTY, OR ANY OTHER MATTER RELATED TO THE WEBSITE OR CONTENT. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE RENAISSANCERE OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS RENAISSANCERE AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, ATTORNEYS, INDEPENDENT CONTRACTORS, PROVIDERS, SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, “RENAISSANCERE AND AFFILIATES”) FROM AND AGAINST ANY AND ALL CLAIM, LOSS, EXPENSE, OR DEMAND OR LIABILITY, INCLUDING ATTORNEYS’ FEES AND COSTS, INCURRED BY RENAISSANCERE AND AFFILIATES ARISING OUT OF (I) ANY CLAIM BY A THIRD-PARTY THAT YOUR USE OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE POSTING, DISTRIBUTION, COPYING, MODIFICATION, ALTERATION OR ANY USE BY YOU OF ANY CONTENT OR SOFTWARE AVAILABLE ON THIS WEBSITE, INFRINGES A THIRD PARTY’S RIGHT, OR (II) YOUR USE OF THIS WEBSITE IN VIOLATION OF THESE TERMS OF USE OR IN VIOLATION OF ANY APPLICABLE LAW.

Cautionary Statement Regarding Forward-Looking Statements

Any forward-looking statements made in this Website, including any statements regarding any future results of operations and financial positions, business strategy, plan and any objectives for future operations, reflect RenaissanceRe’s current views with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are subject to numerous factors that could cause actual results to differ materially from those set forth in or implied by such forward-looking statements, including the factors affecting future results disclosed in RenaissanceRe’s filings with the SEC, including its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.

Indemnity

You agree to indemnify, defend and hold harmless RenaissanceRe, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates (collectively, the “RenaissanceRe Indemnitees”) from and against any and all claims, losses, expenses, or demands or liabilities, including attorneys’ fees and costs, incurred by the RenaissanceRe Indemnitees arising out of (i) any claim by a third party relating to the posting, distribution, modification or alteration by you of any Content, or (ii) your use of this Website in violation of these Terms of Use or in violation of any applicable law.

You agree to cooperate with us as reasonably required in the defense of any such claims. The RenaissanceRe Indemnitees reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of RenaissanceRe.

Security

RenaissanceRe takes appropriate technical and organizational measures against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although RenaissanceRe takes appropriate measures to protect the security of the information communicated through this Website, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorization. As no Internet-connected computer system can be made absolutely secure from intrusion, RenaissanceRe cannot and does not guarantee that information displayed on the Website has not been modified by others without authorization or that information communicated by you to us will be received or that it will not be altered before or after its transmission.