Terms of Use and Privacy Policy

General Information

Hastings Mutual owns this website and its contents. When we refer to “we,” “us,” or “our,” we mean Hastings Mutual Insurance Company. Our home office is in Hastings, Michigan, where we were founded in 1885.

When we refer to “you,” “your,” or “user,” we mean the person accessing this site. Your use of this website is subject to these terms of use, and is conditioned on your agreement to these terms. By accessing this site, you agree to be bound by these Terms of Use. Please also review our Privacy Policy, which contains important information about our use of customer information.


Insurance Policy Terms and Conditions Control

We are an insurance company, conducting insurance business in Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin. This website contains general information about insurance policies, rates, and coverage. Terms of insurance policies vary from state to state and from person to person. Information about rates and premiums may not apply to your policy. Some information may have been changed since we posted it on this site. If you have an insurance policy with us, then the insuring agreements, exclusions and conditions in your policy are controlling, and nothing we say on this website alters any of the language in your policy. If you have any questions about your particular policy, then we recommend that you read your policy carefully, and contact your agent to ask any questions you may have.

Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by Hastings Mutual. We cannot promise you that we will accept your application or provide you with any insurance coverage. This website does not make any representations that coverage exists for any particular claim or loss, or type of claim or loss, under any policy. The decision on any coverage question depends on the facts and circumstances involved and all applicable policy wording.

Limited License and Site Access

We welcome your visit to our website and grant you a limited license to access it for your personal use, only. We do not grant you license or permission to download, reproduce, or copy any of the contents of our site, except with our written consent. We do not grant you permission to use or copy any content for any commercial purpose without our written consent.

We may terminate, change, suspend, interrupt, or discontinue any aspect of any site, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without notice or liability. We may terminate the authorization, rights, and license given above.

Our Use of Your Contact Information

Please understand that if you use this site and voluntarily enter personal contact information about yourself, then this establishes a business or other applicable relationship with us for purposes of CAN-SPAM, the Telephone Consumer Protection Act, and all other applicable laws that regulate unsolicited commercial communications. By accessing, or continuing to access, this site, you agree that we or independent insurance agents may call, e-mail, or otherwise communicate with you about our insurance products and services.

Secured Areas / Passwords

If you are a customer or one of our authorized independent agents, then you may be able to open an account on this website with your own account number, user name, and password. Please follow the instructions and complete the registration process by providing us with current, complete and accurate information about yourself. You are entirely responsible for maintaining the confidentiality of your password and account. If you have an account, then you agree to (a) immediately notify us of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. We will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your account or password. You may not use anyone else’s account at any time, without the permission of the account holder. Unauthorized use of another person’s identification or account is strictly prohibited, and may result in civil liability or criminal prosecution.

Copyrights

We are asserting a copyright on all original works that appear on this website, not including those works that are copyrighted by third-party content suppliers. All copyrighted works are protected by U.S. and international copyright laws. The compilation of materials in this website as a whole is also our exclusive property and is protected by U.S. and international copyright laws. You may not use, copy, or distribute any materials except as stated within this site, or unless we give you our permission in writing.

Trademarks and Service Marks

All trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Website are our property or their respective owners. In addition to complying with all applicable laws, you are prohibited from using any of these trademarks, service marks, trade dress, or other logos from this website unless we or the respective owners give you our permission in writing.

Disclaimer of Warranties

We have posted the information on these pages as a convenience to you and this material is not intended to constitute advice or recommendations upon which you may rely. We have used reasonable efforts to provide accurate information on this website, but we make no warranty or guarantee about the accuracy, completeness, or adequacy of the contents of this website. Any information and other material on this website are provided "as is" and "as available" without any warranty of any kind, either expressed or implied, including and without limitation the implied warranties of merchantability and fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling components. We will not be liable to you for any errors or omissions in this information or for any injury, losses, or damages, whether they are direct, indirect, incidental, special or consequential you may incur.

Choice of Law, Jurisdiction, and Venue

The laws of the State of Michigan and the federal laws of the United States govern these Terms of Use. Any suit or other action related to or arising out of your use of any site may be brought only in the exclusive jurisdiction of the Circuit Court in Barry County, Michigan, where our home office is located, or the United States District Court for the Western District of Michigan.

Entire Agreement

These Terms of Use, and other policies we may post on this website constitute the entire agreement between you and us about your use of this website, and supersedes any prior agreements between you and us regarding use of our website, including prior versions of these Terms of Use. We reserve the right to change these Terms of Use, at any time, without giving prior notice to you or any other visitor to our site.