Terms of Use

Effective date: August 20, 2026

These Terms of Use (the “Terms”) govern your access to and use of mcnaire.com (the “Site”), operated by McNaire Underwriters, LLC (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site. If you use the Site on behalf of an organization, you represent that you are authorized to accept these Terms for that organization.

Permitted use

You may use the Site for lawful purposes only. You agree not to:

• Use the Site in violation of any applicable federal, state, local, or international law or regulation
• Attempt to gain unauthorized access to the Site, its servers, or any connected systems
• Interfere with or disrupt the integrity or performance of the Site
• Introduce viruses, malware, or other harmful code
• Use automated systems to scrape, harvest, or collect information from the Site without our written permission
• Submit false, misleading, or fraudulent information
• Use the Site to transmit unsolicited commercial communications

Intellectual property

The Site and its contents, including text, graphics, logos, images, and software, are owned by McNaire Underwriters, LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view and print pages for your own internal reference. You may not otherwise reproduce, distribute, modify, or create derivative works from the Site without our prior written consent.

No professional advice

Content on the Site is provided for general informational purposes only. It is not intended as, and should not be relied upon as, professional advice of any kind, and it does not create a professional relationship between you and McNaire Underwriters, LLC. You should consult a qualified professional regarding your specific circumstances before acting on any information found here.

Products, services, and pricing

Descriptions of products and services on the Site are for general information and do not constitute an offer, a binding quote, or a guarantee of availability, coverage, or price. Any product or service we provide is governed by the separate written agreement, policy, contract, or quote that applies to it. If there is a conflict between the Site and that document, that document controls.

Submissions

If you send us questions, comments, suggestions, or other information through the Site, you grant us a non exclusive, royalty free, perpetual right to use that material for any lawful business purpose without obligation or compensation to you. Do not send us confidential or proprietary information through the Site unless we have asked you to do so.

Third party links

The Site may contain links to third party websites. We provide these links for convenience only and do not endorse or assume responsibility for the content, products, or practices of any third party site.

Disclaimer of warranties

The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non infringement. We do not warrant that the Site will be uninterrupted, timely, secure, error free, or free of viruses or other harmful components, or that any information on the Site is accurate, complete, or current.

Limitation of liability

To the fullest extent permitted by law, McNaire Underwriters, LLC and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or business, arising out of or relating to your use of or inability to use the Site, whether based in contract, tort, strict liability, or any other theory, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

Indemnification

You agree to indemnify and hold harmless McNaire Underwriters, LLC and its officers, members, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of your use of the Site or your violation of these Terms.

Governing law

These Terms are governed by the laws of the state in which McNaire Underwriters, LLC maintains its principal place of business, without regard to its conflict of law provisions. You agree that any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in that state, and you consent to the jurisdiction of those courts.

Changes to these Terms

We may revise these Terms at any time by posting an updated version on this page and changing the effective date above. Your continued use of the Site after a change takes effect means you accept the revised Terms.

Severability and waiver

If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will stay in full force. Our failure to enforce any provision is not a waiver of our right to do so later.

Contact us

Questions about these Terms may be directed to: