Corporate, Licensing and Legal Information

General Information

Introduction

Attune Insurance Services, LLCSM, (Attune, “we” or “us”) formerly known as NHT3 Insurance Services, LLC (NHT3), is a Delaware-domiciled limited liability company conducting business as an insurance producer, licensed in all 50 states and the District of Columbia. Its principal address is 40 Exchange Place #410, New York, NY 10005.

Attune is a wholly owned subsidiary of Attune Holdings, LLC, a Delaware limited liability company, which is a joint venture among AIG Property Casualty U.S., Inc., Two Sigma Insurance Quantified Holdings, LP and Hamilton U.S. Holdings II, Inc.

Service Marks

Attune’s name, logo and all related names, logos, product and service names, designs and slogans are service marks of Attune Insurance Services, LLC  or its parent company or its licensors. You must not use such marks for commercial purposes without the prior written permission of the Attune. All other names, logos, product and service names, designs and slogans on this Website are the trademarks or service marks of their respective owners. The word marks “Attune Insurance Services, LLC”, “Attune Insurance”, MyAttune” and “Attune” (in any font size or color) as they may appear alone or in conjunction with the following symbol are service marks of Attune Insurance Services, LLC and may not be copied, duplicated or used for commercial purposes without express written permission.

Attune’s Business

Attune is a licensed property/casualty insurance producer. We principally act as an agent for insurance companies, while dealing fairly and in good faith and integrity with policyholders, other producers and business partners. For some insurance products, Attune may act as a licensed surplus lines producer with authority from an eligible surplus lines insurer. Attune maintains insurance producer and surplus lines insurance producer licenses in all 50 states and the District of Columbia.

Attune represents insurance companies in the solicitation and sale of insurance products, but currently is not a Managing General Agent (MGA) for any insurer as that term is defined in state insurance laws. Most of Attune’s business is generated from retail brokers (often called sub-producers) who represent insured clients. In some transactions, intermediary producers may be involved.  

Attune owns and maintains MyAttuneSM, a proprietary on-line portal that may be accessed by licensed producers having a producer contract with or other permission from Attune. Access may be through the “Broker Log-in” function of this Website or independently from the producer’s location. Access to and use of MyAttune permits producers to make submissions and complete insurance transactions with Attune on behalf of their clients. Access to MyAttune is not a grant of binding or underwriting authority and is not intended to create an agency relationship between Attune and the producer, but rather is an application of technology to effectuate insurance transactions. Authority granted by Attune, if any, is limited by the terms of the producer contract.   

Attune maintains a Customer Care Center for the purpose of providing assistance to producers and other third parties by responding to business inquiries and assisting with insurance transactions not completed through MyAttune.

Attune does not accept claim notices or service of legal process on behalf of the insurance companies it represents, nor does it adjust claims. When a claim is made, notice should be given to the insurance company, which is responsible for determining the parties’ rights and obligations under the insurance policies issued. Instructions for filing a claim are typically included with the policy. In some cases, the insurance company may be represented by a claim service company. Attune is not a claim service company.

Any descriptions of insurance products or services by Attune do not amend, modify or supplement any insurance policy. Policyholders should consult the actual policy and their insurance agent or broker for details regarding terms, conditions, coverage and exclusions in the policy, as well as products, services and programs which may be available. Eligibility for particular products and services is subject to the final determination of underwriting qualifications. Not all policies and/or coverages are available in every jurisdiction.

Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss, the law applicable to the claim and all applicable policy wording. Any informational statements regarding insurance coverage, either in this web site or other Attune material, are for general description purposes only.

The general information contained in this Website is not an offer to sell insurance. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect until the policy is issued and premium is paid. Any proposal of insurance Attune may present will be based upon the information the applicant provides. Information provided on this site does not constitute professional advice. For legal, tax or financial planning questions, please contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only. Attune has no control over those sites and does not endorse or guarantee any information provided by those sites.

Compensation

Attune is committed to dealing fairly and with complete integrity with consumers, other insurance producers and others with whom we work in providing insurance products and services. To that end, we provide this disclosure regarding Attune’s sources of its compensation from insurance companies or other parties.

Attune may receive compensation in the form of commissions paid by an insurance company, calculated as a percentage of premiums, pursuant to an arrangement with the insurance company. These commissions are for the service we perform in placing and servicing insurance policies on the insurance company’s behalf.

Attune may also be eligible to receive other forms of compensation such as incentive or contingency payments or bonuses and/or supplemental commissions from insurance companies. These may be based on our aggregate historical or current performance with respect to a line of business or customer segment and not specifically related to any particular policy or policyholder.

Other insurance producerswho perform service in placing and servicing insurance through Attune may receive compensation from Attune in the form of service fees as determined by Attune’s arrangement with such producer.

Attune may hold premium or return premium funds temporarily, in which case Attune may receive interest or investment income on such funds.

Please contact Attune or your retail producer if you have specific questions regarding the compensation Attune receives as it relates to your account.


Website Privacy Policy (Revised through 1/2018)

Attune Insurance Services, LLC respects your privacy and is committed to protecting it through compliance with this policy.

The principal purposes of the Website are to introduce the public to Attune, describe our products and services, invite applications for employment and facilitate interaction with potential business partners. Currently, we do not collect information from you when you visit the website www.attuneinsurance.com (the “Website”).

From the Website, through the “broker sign-in” link, insurance producers may link to MyAttune, Attune’s on-line portal for making submissions to underwrite insurance business and complete insurance transactions. This is not a public website. In order to access MyAttune, a producer must have an in-force producer contract with Attune and must have current user names and passwords. 

Information collected by us through MyAttune transactions, offline or through any other means, are subject to Attune’s data privacy and security and record retention policies.

The insurance producers, insurance companies and other third parties with which Attune conducts business are responsible for the efficacy of their own privacy and data security policies in protecting the privacy of their customers, employees, business partners and those visiting their websites. 

Information provided by job applicants through Attune’s “Careers” page will be held in confidence and not disclosed to any third parties unless required by law. Such information will be used only for the purpose of evaluating the qualifications of job applicants.   

By accessing or using the Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of the Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Changes to this Privacy Policy

It is our policy to post any changes we make to our Website privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting the Website and this privacy policy to check for any changes.

Contact Information 

To ask questions or comment about this privacy policy and our privacy practices, contact us at: 
Attune Insurance Services, LLC 
40 Exchange Place #410 
New York, NY 10005 
hello@attuneinsurance.com


 

Terms of Use

Acceptance of the Terms of Use

These terms of use are entered into by and between you and Attune. The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of www.attuneinsurance.com, including any content, functionality and services offered on or through www.attuneinsurance.com (the “Website”).

Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found on this page, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Website, you represent and warrant that you are of legal age to form a binding contract with Attune and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set forth under Governing Law and Jurisdiction below will not apply to any disputes for which the parties have actual notice prior to the date the change is posted on the Website.

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for:

  • Making all arrangements necessary for you to have access to the Website.
  • Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

To access some of the resources the Website offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Additional Intellectual Property Rights

In addition to the notice concerning Attune’s ownership of its service marks and logo above, the Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Attune or its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights and laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

  • Your computer may temporarily store copies of such materials incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print one copy of a reasonable number of pages of the Website for your own reasonable business use and not for further reproduction, publication or distribution.
  • If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
  • If we provide social media features with certain content, you may take such actions as are enabled by such features.

You must not:

  • Modify copies of any materials from this site.
  • Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.
  • Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of these Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Attune. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local or international law or regulation (including any laws regarding the export of data or software to and from the United States or other countries).
  • For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.
  • To impersonate or attempt to impersonate Attune, a Company employee, representative or agent, another user or any other person or entity (including by using email addresses or screen names associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Attune or users of the Website or expose them to liability.

Additionally, you agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
  • Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.
  • Use any device, software or routine that interferes with the proper working of the Website.
  • Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the Website.

Monitoring and Enforcement; Termination

We have the right to:

  • Take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website.
  • Terminate or suspend your access to all or part of the Website for any violation of these Terms of Use.

YOU WAIVE AND HOLD HARMLESS ATTUNE AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

We assume no liability for any action or inaction regarding transmissions, communications or content provided by any third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

This Website may include content provided by third parties. All statements and/or opinions expressed in these materials, other than the content provided by Attune, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Attune. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

Changes to the Website

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

Information About You and Your Visits to the Website

All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Additional Terms and Conditions

Additional terms and conditions may also apply to specific portions, services or features of the Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.

Linking to the Website and Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

This Website may provide certain social media features that enable you to:

  • Link from your own or certain third-party websites to certain content on this Website.
  • Send emails or other communications with certain content, or links to certain content, on this Website.
  • Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us, solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

  • Establish a link from any website that is not owned by you.
  • Cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
  • Link to any part of the Website other than the homepage.
  • Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Geographic Restrictions

The owner of the Website is based in the State of New York in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to or use of services provided on the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER ATTUNE NOR ANY PERSON ASSOCIATED WITH ATTUNE MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER ATTUNE NOR ANYONE ASSOCIATED WITH ATTUNE REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

ATTUNE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

IN NO EVENT WILL ATTUNE, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify and hold harmless Attune, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York in each case located in the City of New York. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Arbitration

At Attune’s sole discretion, we may require you to submit any disputes arising from the use of the Website or these Terms of Use, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying New York law.

Waiver and Severability

No waiver by Attune of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Attune to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

These Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Attune Insurance Services, LLC with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

Your Comments and Concerns

This website is operated by Attune Insurance Services, LLC, at 40 Exchange Place #410, New York, NY 10005. Official correspondence must be sent via postal mail to: 


Attune Insurance Services, LLC. 
40 Exchange Place #410 
New York, NY 10005

Feedback, comments, requests for technical support and other communications relating to the Website should be directed to: 
hello@attuneinsurance.com

Attune also offers an Ethics Hotline, administered by Lighthouse Services, for reporting potential ethical violations, fraud, unlawful and other types of improper behavior. The Ethics Hotline may be contacted in confidence by:

·       Website: www.lighthouse-services.com/attuneinsurance

·       Toll-free telephone: 833-480-0010

·       Email: reports@lighthouse-services.com (include company name with report)

·       Fax: (215) 689-3885 (include company name with report)

Lighthouse Services toll free number and other methods of reporting are available 24 hours a day, 7 days a week.