By accessing or using the SGIC website or any applications (including mobile applications) (the “site) made available by SGIC, however accessed, you agree to be bound by these Terms of Use. These Terms of Use affect your legal rights and obligations. If you do not agree to be bound by all of these Terms of Use, do not access or use the SGIC website or applications.

Website User Agreement

The SGIC site is an online customer service and corporate information service provided by SGIC, subject to your compliance with the terms and conditions set forth below.

SGIC may modify this agreement at any time. Such modifications shall be effective immediately upon posting of the modified agreement on the site. You agree to review the agreement periodically to be aware of such modifications. Your continued access or use of the site shall be deemed your conclusive acceptance of the modified agreement.

  1. Copyright, Licenses, and Idea Submissions

International copyright and trademark laws protect the entire contents of the site. The owners of the copyrights and trademarks are SGIC, its affiliates, or other third-party licensers.

You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute in any manner the material on the site, including text, graphics, code, and/or software.

You may print and download portions of material from the different areas of the site solely for your own noncommercial use, provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to SGIC a non-exclusive, royalty-free, worldwide, perpetual license with the right to sub-license, reproduce, transmit, create derivative works, publicly display, and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products or services) you submit to any public areas of the site (such as message boards) or by email to SGIC by all means and in any media now known or hereafter developed. You also grant SGIC the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing, and promotional materials related thereto. You agree that you shall have no recourse against SGIC for any alleged or actual infringement or misappropriation of any proprietary right in your communications to SGIC. If you believe that content appearing on the SGIC site constitutes copyright infringement of another party’s rights, please contact compliance@sginsco.com or by mail at:

13600 A ICOT Boulevard
Clearwater, Florida 33760


SGIC, and/or any other names of SGIC or its publications, products, content, or services referenced herein or on the site are the exclusive trademarks or service marks of SGIC. Other products and company names mentioned in the site may be the trademarks of their respective owners.

  1. Use of the Site

You understand that, except for information, products, or services clearly identified as being supplied by SGIC, SGIC does not operate, control, or endorse any information, products, or services on the internet in any way. Except for SGIC-identified information, products, or services, all information, products, and services offered through the site or on the internet generally are offered by third parties not affiliated with SGIC. You also understand that SGIC cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses, worms, Trojan horses, or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output for maintaining a means external to the site for the reconstruction of any lost data.

You assume total responsibility and risk for your use of the site and the internet. SGIC provides the site and related information “as is” and does not make any express or implied warranties, representations, or endorsements whatsoever (including without limitation warranties of title or non-infringement or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service, any merchandise, information, or service provided through the site or on the internet generally. SGIC shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all opinions, advice, services, merchandise, and other information provided through the site or on the internet generally. SGIC does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected. You understand further that the internet contains unedited materials, some of which are sexually explicit or may be offensive to you. You access such materials at your risk. SGIC has no control over and accepts no responsibility whatsoever for such materials.

Limitation of Liability

In no event will SGIC be liable for (1) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the site, or any information or transactions provided on the site or downloaded from the site, or any delay of such information or service. Even if SGIC or its authorized representatives have been advised of the possibility of such damages, or (2) any claim attributable to errors, omissions, or other inaccuracies on the site and/or materials or information downloaded through the site, because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, SGIC’s liability is limited to the greatest extent permitted by law.

SGIC makes no representation whatsoever about any other website that you may access through this one or that may link to this site. When you access a non-SGIC website, please understand that it is independent from SGIC and that SGIC has no control over the content on that website. In addition, a link to an SGIC website does not mean that SGIC endorses or accepts any responsibility for the content, or the use, of such website.

  1. Indemnification

You agree to indemnify, defend, and hold harmless SGIC, its officers, directors, employees, agents, licensers, suppliers, and any other third-party information providers to the site from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of this agreement (including negligent or wrongful conduct) by you or any other person accessing the site.

  1. Third-Party Rights

The provision of paragraphs 2 (Use of the Site) and 3 (Indemnification) are for the benefit of SGIC and its officers, directors, employees, agents, licensers, suppliers, and any third-party information providers to the site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on their own behalf.

  1. Termination

Either party, without notice, may terminate this agreement at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses, and Idea Submissions), 2 (Use of the Site), 3 (Indemnification), 4 (Third-Party Rights), and 6 (Miscellaneous) shall survive any termination of this agreement.

  1. Miscellaneous

This agreement shall all be governed and construed in accordance with the laws of the state of Florida, applicable to agreements made and to be performed in Florida.

You agree that any legal action or proceeding between SGIC and you for any purpose concerning this agreement or the parties’ obligations thereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Florida.

Any cause of action or claim you may have with respect to the site must be commenced within one (1) year after the claim of action arises or such claim or cause of action is barred. SGIC’s failure to insist upon or enforce strict performance of any provision of this agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this agreement. SGIC may assign its rights and duties under this agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.

Some of the information on this website may contain projections or other forward-looking statements regarding future events or the future financial performance of SGIC. We wish to caution you that these statements are only predictions and that the actual events or results may differ materially.


A.M. Best has assigned a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of “bbb” to SGIC, a newly formed U.S. insurer that is part of Premier Servicing, LLC. (Premier).


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