Terms & Conditions of Website Use

Effective Date: 05/02/2014

The material provided on the BHTP.com website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from BHTP.com. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.

It is very important that you read the next two sections carefully.

Limitation of Liability

BHTP will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any: (1) use of (or inability to use) the sites; (2) use of (or inability to use) any site to which you hyperlink from its websites; (3) failure of performance; (4) error; (5) omission; (6) interruption; (7) defect; (8) delay in operation or transmission; (9) computer virus; or (10) line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages—or both. However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages. In any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.

Disclaimer

The material on our sites is provided as is. This means that BHTP disclaims all express and implied warranties about the material in the sites. This includes, but it is not limited to, warranties that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) that the functional elements contained in the materials will be uninterrupted or error-free; (3) that defects will be corrected; (4) that our sites, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (4) that information contained in the sites is accurate as of any particular date.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the BHTP site or have moved elsewhere.

By providing material on our website BHTP does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. BHTP is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access BHTP’s online policyholder services, you agree to the following conditions:

  • BHTP is authorized to act on instructions received under your password without any requirement to question those instructions;
  • BHTP is not liable for any unauthorized access to your personal information that is not directly due to the negligence of BHTP;
  • Your password contains sensitive information and you will keep it confidential and secret;
  • You will notify BHTP immediately if you believe anyone else has learned your password or if you believe an unauthorized access to BHTP or your personal information has occurred or may occur;
  • BHTP may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.
  • Violating the Terms and Conditions of Website Use may lead to a revocation of BHTP website access privileges.

Privacy

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy.

Jurisdiction

Unless otherwise specified, the materials in our site are presented to provide information about Berkshire Hathaway Travel Protection, (collectively "BHTP"), our insurance products and the insurance business. BHTP operates and controls its sites from the Company’s headquarters in Stevens Point, Wisconsin, in the United States of America, and Wisconsin law shall govern and control any action concerning the BHTP sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

By using the BHTP.com website, you agree to these Terms and Conditions of Website Use.

Copyright and Trademark Rights

The trademarks, logos and service marks ("Marks") displayed on this website are the property of BHTP. Users are prohibited from using any Marks for any purpose including, but not limited to, use as metatags on other pages or websites without the prior written permission of BHTP or the owner of the relevant Marks.

You hereby acknowledge and agree that, as between BHTP and you, all right, title, and interest in and to this website, including without limitation any patent rights, patents, business methods, copyrights, trademarks, trade secrets, inventions, know-how, and all other intellectual property rights pertaining thereto, shall be owned exclusively by BHTP.

This website may contain links to other websites operated by other parties (each a “Linked Site”). BHTP provides these links to other websites as a convenience, and your use of these websites is at your own risk. The Linked Sites are not under the control of BHTP, and BHTP is not responsible for the content available on these third party websites. Such links do not imply BHTPs endorsement of information or material on any other website and BHTP disclaims all liability with regard to your access to and use of such Linked Sites.

Unless otherwise set forth in a written agreement between you and BHTP, you must adhere to BHTP’s linking policy as follows: (i) the appearance, position and other aspects of the link may not be such as to damage or dilute the reputation of BHTP; (ii) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with BHTP; (iii) when selected by a user, the link must display the website on full-screen and not within a "frame" on the linking website; and (iv) BHTP reserves the right to revoke its consent to the link at any time and in its sole discretion.

Should any provision of these terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions, and the remainder of these terms and conditions will be reformed to carry out the intentions of the parties.

Policyholder Reviews

We may reach out to you by email or use third party vendors to allow policyholders to submit original ratings and reviews of our insurance products and services (“Submissions”). Submissions to us or to such third party vendors’ review submission forms and via email may be published on our websites, marketing, advertising, or any other lawful purpose. We may publish your review Submissions with limited information to possibly include your first name, first letter of last name, and your state of residency. We are not responsible for the privacy policies and/or practices of third parties. By submitting a review or rating of our products and services, you agree to the following: (1) We reserve the right to publish partial versions of the Submissions in any manner, for marketing, advertising, trade, or any other lawful purpose; (2) You explicitly waive rights of publicity, privacy, and all right to compensation as it relates to the Submissions; (3) You grant us an irrevocable, unrestricted, and royalty-free license to use, reproduce, publish, exhibit, and distribute any part of the Submissions in any format and media; and (4) We have no obligation to use or publish your Submissions.

Miscellaneous

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Wisconsin, without giving effect to Wisconsin’s conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

BHTP may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

Amendment to the Terms and Conditions of Website Use - Effective Date: 04/01/2015

Electronic Signature and Fulfillment
Applicant understands clicking the agreement box before checkout constitutes an electronic signature. The electronic signature documents the applicant's consent to all of the provided terms and conditions. Electronic signatures are legal and enforceable in the same fashion as a traditional signature. Applicant consents to issuance of their policy documents, and all other notices, electronically via email if an email address is provided. Applicant should be diligent in updating their provided email address if any changes occur. Applicant may withdraw their consent and request a paper copy of their policy documents via email at assist@bhtp.com or over the phone at 844-411-BHTP. In order to view documents that are provided electronically, applicant will need regular internet access via one of the browsers we support (see Supported Browsers section in Security). Applicant will also need Adobe Acrobat Reader to view documents in .pdf format. 

Products described on this website are offered by Berkshire Hathaway’s National Indemnity group of insurance companies, including, but not limited to, Berkshire Hathaway Specialty Insurance Company (formerly known as Stonewall Insurance Company) and National Liability & Fire Insurance Company.  AirCare (for domestic) is currently not available in the following state: AK. AirCare (for abroad) is currently not available in the following state: AK. 

New York Domestic Violence Notice

New York Confidentiality Protocol for Victims of Domestic Violence and Endangered Individuals. New York Insurance Law 2612 requires that certain insurers establish procedures to protect and limit access to certain personal information related to a victim of domestic violence.

New York Insurance Law 2612 provides that, if any person covered by an insurance policy delivers to the insurer a valid court order of protection issued by a court of competent jurisdiction in New York State against the policyholder or other person covered by the policy, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing the covered services to the insured. If the child is a covered person, then the right may be asserted by the child’s parent or guardian.

New York Insurance Law 2612 also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate a reasonable request made by a person covered by an insurance policy to receive communications of claim related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person. If the covered person is a child, then the right may be asserted by the child’s parent or guardian. The law further provides that, except with the express consent of the person making the request, a health insurer may not disclose to the policyholder: (1) the address, telephone number, or any other personally identifying information of the person who has made the request or child for whose for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name or address of the provider of covered services.

Procedure to Make a Request
To submit a valid court order of protection and / or a request to receive communications of claim related information by alternative means or at alternative locations to Berkshire Hathaway Travel Protection please use the following address:

Berkshire Hathaway Travel Protection
1145 Clark Street
Stevens Point, WI 54481
Attention: Legal – Confidentiality Request

Please include:

  • Policy information if available.
  • Any alternative address, telephone number or other method of contact; and
  • A valid court order of protection issued by a New York State Court and / or a statement that the disclosure of claim related information could endanger the person seeking confidentiality
  • To revoke a request, please mail a notarized letter to the above address.

For further information on domestic violence services, please contact the New York State Domestic and Sexual Violence Hotline at 1-800-942-6906. You may also access the following website: http://www.opdv.ny.gov/help/dvhotlines.html