Disclaimers & Other Legal Documents

United Fire Group includes United Fire & Casualty Company and the following wholly owned insurance subsidiaries: Addison Insurance Company, Lafayette Insurance Company, United Fire & Indemnity Company, United Fire Lloyds, UFG Specialty Insurance Company, Mercer Insurance, Mercer Insurance of New Jersey, Franklin Insurance and Financial Pacific.

Term of Use

By using this web site, you agree to the terms of this "Disclaimers & Other Legal Statements" and our "Web Site Privacy Statement." Do not use this web site if you do not agree to abide by the terms of these statements.

Liability and Warranty Disclaimer

We will make reasonable efforts to include accurate and current information on our web site, but be advised that the information contained in our web site is subject to change without notice. We cannot guarantee or warrant that anything available for downloading on this site is free of viruses, bugs, worms, logic bombs, Trojan horses, or any other code or program that has contaminating or destructive properties.

THE COMPANIES IN THE UNITED FIRE GROUP ARE PROVIDING THIS SITE AND ITS CONTENTS ON AN "AS IS" AND "AS AVAILABLE" BASIS AND MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE ACCURACY, QUALITY, COMPLETENESS, CURRENCY, OWNERSHIP, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF OUR WEB SITE. THE COMPANIES IN THE UNITED FIRE GROUP ARE NOT LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES WHATSOEVER ARISING OUT OF ANY ACCESS TO, INABILITY TO ACCESS, RELIANCE UPON, USE OR PERFORMANCE OF THIS SITE, ANOTHER HYPER LINKED WEB SITE, OR ANY DATA, PROGRAMS OR MATERIALS TRANSMITTED THROUGH OR RESIDING ON OUR SITE OR ANOTHER HYPER LINKED SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST INCOME OR PROFITS, BUSINESS INTERRUPTION, LOSS OF OR DAMAGE TO PROGRAMS, DATA OR PROPERTY, OR CLAIMS OF THIRD PARTIES, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion of implied warranties so the preceding may not apply to you.

Forward-looking Statements

This discussion contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, which are not historical facts and which involve risks and uncertainties that could cause actual results to differ materially from those expected and projected. Such forward-looking statements are based on current expectations, estimates, forecasts and projections about the industry in which we operate, management's beliefs, and assumptions made by management. Words such as "expects," "anticipates," "intends," "plans," "believes," "continues," "seeks," "estimates," "predicts," "should," "could," "may," "will continue," "might" and variations of such words and similar expressions are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed in such forward-looking statements. Among the factors that could cause our actual outcomes and results to differ are the following: uncertainties with respect to loss reserving; the occurrence of catastrophic events or other insured or reinsured events with a frequency or severity exceeding our estimates; the actual amount of new and renewal business and demand for our products and services; the competitive environment in which we operate, including price, product and service competition; developments in domestic and global financial markets that could affect our investment portfolio and financing plans; estimates of the financial statement impact of regulatory actions; uncertainties relating to government and regulatory policies; legal developments; changing rates of inflation, interest rates and other economic conditions; the impact of mergers and acquisitions, including the ability to successfully integrate acquired businesses and achieve cost savings; a continuation of the global economic slowdown or a broad downturn in the economy in general; our relationship with our agencies; the valuation of invested assets; the recovery of deferred acquisition costs; or our relationship with our reinsurers. These are representative of the risks, uncertainties and assumptions that could cause actual outcomes and results to differ materially from what is expressed in forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of their dates. Except as required under the federal securities laws and the rules and regulations of the Securities and Exchange Commission, we do not have any intention or obligation to update publicly any forward-looking statements, whether as a result of new information, future events or otherwise.

Coverages

The United Fire Group web site contains only brief descriptions of coverages and is not an offer of insurance nor is it an insurance contract. The coverage descriptions contained in our web site do not include all available terms, conditions or limitations. Products and services mentioned in this web site may not be available in all states. The precise coverage afforded to any insured is contained in the declarations pages, policies and endorsements issued to that insured. If there is any conflict between the coverage description on our web site and our policies, endorsements or declarations pages, THE PROVISIONS OF THE POLICY, ENDORSEMENTS AND THE DECLARATIONS PAGES SHALL PREVAIL. For more specific information about a United Fire Group policy, please contact one of our independent insurance agents.

No Offer to Sell Securities

The information contained on this web site pertaining to the United Fire Group is not an offer to sell or solicitation to buy any security. No security will be offered or sold in any state or other jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such state or jurisdiction.

Trademark

United Fire Group ® is a registered service mark of United Fire & Casualty Company. Other product and company names mentioned in our web site might be the trademarks or service marks of their respective owners and subject to other restrictions. Nothing on any United Fire Group web site shall be construed as conferring any license under any of United Fire Group's or any third party's intellectual property rights.

Please do not hyperlink to any United Fire Group web site page without our prior written approval. For approval, please send your request to WebMaster.

Ideas

Any feedback, information or ideas you provide to us shall be treated as non-confidential and non-proprietary and shall become the property of United Fire Group. By providing any such information, you grant to United Fire Group an unrestricted royalty-free license to use this information as we see fit, including the development of products.