These terms and conditions (the "Terms and Conditions") govern the use of (the "Site"). 
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.

This website is operated and maintained by Underwriters Insurance Agencies (Powell River) Ltd. (hereinafter referred to as “Underwriters Insurance”) and contains information and links to information of interest to Underwriters Insurance, our clients and the general public. The material and links provided on this website are offered in good faith and for informational purposes only. The material and links provided on this website are not for the purpose of providing legal advice and may not be up to date.

The opinions expressed in articles contained on this website are the opinions of the individual authors and may not reflect the opinion of Underwriters Insurance or any individual insurance broker. For more information on any of the material on this website, please contact Underwriters Insurance directly.

Use of and access to this website and the transmission and receipt of information via this website does not create a broker-client relationship between Underwriters Insurance and the user or browser. You should contact your insurance broker to obtain independent and personalized advice with respect to any particular issue or problem.

Underwriters Insurance cannot guarantee the confidentiality of any information transmitted to our brokers via this website or by e-mail. Whether or not you are currently a client of Underwriters Insurance, your transmission or e-mail to us may not be privileged.  E-mail is not a secure method of transmitting sensitive personal information and by using this service you accept this risk. If you are concerned, you may use an alternative method.

This website is provided by Underwriters Insurance on an “as is” basis. Underwriters Insurance expressly disclaims liability for any and all damages and losses (whether direct or indirect, incidental, consequential, punitive or otherwise) arising from or in any way related to the use of this website, the information contained on this website, or links provided on this website, including, without limitation, damage to any computer, software or data by any virus which might be transmitted or activated via this website or access to this website, any breach of copyright or other intellectual property right, and contravention of any local, national or international restriction on the publication or transmission of information.

Underwriters Insurance encourages users to exercise discretion when using the links on this website. The suitability and content of information accessed by link from this website are the sole responsibility of the persons or organizations that maintain that information. If you have questions about the content of a particular linked website or information related to it, contact the person or webmaster responsible for that website.

Access to this website for the purpose of browsing information via the World Wide Web is encouraged; all other attempts to access this website, the related computer systems, or its resources are unauthorized. Unauthorized use of a computer system is a criminal offence in Canada.

This website is protected by all relevant Canadian and international copyrights in the design of this website, including layout, typography and graphics, and in the expression of the information contained herein, whether as a compilation or otherwise.

If you have any questions about Underwriters Insurance’s insurance services, please contact our office by telephone at 604.485-2715 or by e-mail to

Intellectual Property
All content published and made available on our Site is the property of Underwriters Insurance Agencies (Powell River) Ltd. and the
Site's creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the
composition of our Site.
Links to Other Websites
Our Site contains links to third party websites or services that we do not own or control. We are not responsible for the content, policies,
or practices of any third party website or service linked to on our Site. It is your responsibility to read the terms and conditions and
privacy policies of these third party websites before using these sites.
Limitation of Liability
Underwriters Insurance Agencies (Powell River) Ltd. and our directors, officers, agents, employees, subsidiaries, and affiliates will not
be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
Except where prohibited by law, by using this Site you indemnify and hold harmless Underwriters Insurance Agencies (Powell River)Ltd. and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities andexpenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of the Province of British Columbia.
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected bythe removal and the rest of these Terms and Conditions will still be considered valid.
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users of changes to these Terms and Conditions by posting a notice on our Site.