Terms & Conditions

Accessing the pages on www.owneroperatordirect.com constitutes the user's agreement to our Terms & Conditions. Information collected via this website is protected by our Privacy Policy.


TERMS & CONDITIONS OF OWNER OPERATOR DIRECT.


YOUR USE OF OWNER OPERATOR DIRECT WEBSITE

Please read these Terms & Conditions carefully before using this website. By accessing and using this website, you are agreeing to be bound by these Terms & Conditions. Owner Operator Direct reserves the right to modify these Terms & Conditions at any time. Please check this page regularly; your continued use of this site will constitute your acceptance of any revisions to the Terms & Conditions.

Owner Operator Direct may use web browser tracking devices in order to track website visitor statistics. This information is used internally only by Owner Operator Direct and its affiliates. Visitor statistics are collected at an aggregate level and no personally identifiable information is collected or retained as a result of these activities. Owner Operator Direct does not use cookies to provide visitors with targeted advertising or content. Currently, Owner Operator Direct does not support technology to respond to web browser "do not track" signals or other comparable mechanisms.


PROPRIETARY INFORMATION

All information provided by Owner Operator Direct through its website or email transmissions is owned by or licensed to Owner Operator Direct. Owner Operator Direct and its licensors retain all proprietary rights to Owner Operator Direct information. All unauthorized use of published information is strictly prohibited without prior written permission from Owner Operator Direct. You may, however, copy or print without alteration documents published on our site or transmitted via email for noncommercial use within your organization provided that all copyright and other proprietary notices appear in all copies in the same manner as the original.

All trade names, trademarks, service marks, images and logos on materials, including electronic facsimiles, published by Owner Operator Direct are proprietary to its respective owners and are protected by applicable trademark and copyright laws. Any unauthorized use of Owner Operator Direct-owned marks or graphics is strictly prohibited. Further, any product, process or technology contained in individual documents on our website may be the subject of other intellectual property rights reserved by Owner Operator Direct.

No portion of this website or any intellectual property of Owner Operator Direct may be used on any other website, in the source code of any other website or in any other printed or electronic materials, except as expressly provided herein. Linking from another website to any page in this website is strictly prohibited without prior written permission. Owner Operator Direct assumes no responsibility for any material outside of the Owner Operator Direct-owned website that is accessed by any hypertext or other computer link through our website. Any attempt or act by you, directly or indirectly, to disrupt, impair or interfere with, alter or modify any Owner Operator Direct-owned website, email server or proprietary information is strictly prohibited.


PRODUCTS AND SERVICES

The information contained on the Owner Operator Direct website is intended as general information and does not constitute complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Owner Operator Direct. Insurance coverage provided by Owner Operator Direct is limited to actual policies issued and is subject to the terms and conditions stated in the policies. Product availability varies by state and the individual circumstances of each applicant. The online completion of an Owner Operator Direct form creates no express or implied obligation on the part of Owner Operator Direct to offer a quote or provide insurance as requested.


PRIVACY

Please review our Privacy Policy which also governs your visit to the Owner Operator Direct website.


ELECTRONIC PAYMENT SERVICES

Owner Operator Direct is pleased to offer electronic payment services ("Service") to customers on select policies. The Service provides the ability to pay bills electronically through an electronic payment interface with Owner Operator Direct's vendor, One, Inc. If you choose to pay your premium bills electronically, you must expressly indicate your agreement to all of Owner Operator Direct's Terms & Conditions as stated here.


AUTHENTICATION AND AUTHORIZATION FOR ELECTRONIC PAYMENTS

  • This Service incorporates commercially reasonable methods to authenticate the information that you supply for making a payment through this Service. You will not be able to submit a payment until Owner Operator Direct authenticates your identity and you will not be allowed to use the Service to pay your bill until you have read and agreed to these Terms & Conditions.

  • Authentication and authorization for Service usage will be withdrawn from policyholders with a policy expired greater than 90 days and having no open invoice and from brokers/producers with accounts that have been inactive for more than one year.

  • As a user of this Service, and upon your acceptance of these Terms & Conditions, you will submit your bank account or payment card account (your "Designated Account") information. You are responsible for any legal, regulatory or banking penalties and fees that may be assessed for supplying false information for use with the Service.

  • If the Designated Account is a bank or payment card account for a business, then it must be one for which you are a properly authorized signer.

  • You must submit your email address to receive confirmation of your electronic payment. Your email address will be used only for the purpose of transacting the payment you have authorized and Owner Operator Direct providing you with information related to the delivery of Owner Operator Direct products and services.

  • By accepting the Terms & Conditions, you authorize Owner Operator Direct’s electronic payment vendor to initiate a charge to your Designated Account according to your instructions. Each time you use the Service to pay your premium statement or if you have scheduled recurring automatic payments, you will be reauthorizing the vendor to charge your Designated Account.

  • By accepting these Terms & Conditions, you represent and warrant that:

    • You are 18 years old or older;

    • You are using your actual identity and any information you provide is accurate and complete;

    • You are legally authorized to make payments using the Designated Account;

    • You have read and agreed to our Privacy Policy; and

    • Your use of the Service will not violate any local, state, federal or international laws or regulations.

APPLICATION OF ELECTRONIC PAYMENTS

By providing Owner Operator Direct’s electronic payment vendor with the information for your Designated Account, you are authorizing Owner Operator Direct’s vendor to follow the payment instructions received from you and process the payment. More specifically, when you use this Service to send payment instruction, you authorize Owner Operator Direct’s electronic payment vendor to initiate a message to your bank or payment card provider, as applicable, to charge your Designated Account and to send those funds to us for payment on your Owner Operator Direct account. Payment may take up to three (3) business days to be applied to your account. AN ELECTRONIC PAYMENT ON YOUR OWNER OPERATOR DIRECT ACCOUNT DOES NOT AUTOMATICALLY REINSTATE A CANCELLED INSURANCE POLICY OR RESCIND THE PENDING CANCELLATION OF AN INSURANCE POLICY. YOU MUST CONTACT EITHER YOUR OWNER OPERATOR DIRECT REPRESENTATIVE TO VERIFY THE STATUS OF YOUR INSURANCE POLICY. THE STATUS OF AN INSURANCE POLICY CANNOT BE CONFIRMED THROUGH THE OWNER OPERATOR DIRECT WEBSITE.


DISCLAIMER OF WARRANTY

The content and materials on the Owner Operator Direct website are provided "as is." Owner Operator Direct expressly disclaims all warranties, express or implied, with respect to Owner Operator Direct site and the material contained therein. This includes, but is not limited to, warranties that the material is of any particular level of quality or is fit for a particular purpose; that the functions or operations of this site will be uninterrupted or error-free; that defects will be corrected; that our website, email sent from Owner Operator Direct or the servers that make them available are free of viruses or other harmful components or conditions; or that the information contained in the site is accurate as of any particular date. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.


LIMITATION OF LIABILITY

Neither Owner Operator Direct nor its electronic payment service vendor is responsible for any injury, loss, claim or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability, or otherwise, which arises out of (1) the use of, or the inability to use, the Owner Operator Direct site or the information found on the Owner Operator Direct site; (2) use of, or the inability to use, any site to which you hyperlink from our site; (3) failure of performance; (4) error, omission, interruption, defect or delay in operation or transmission; (5) computer viruses; (6) line failure or (7) transactions effected with a lost, stolen, counterfeit or misused login ID, password or account information. Owner Operator Direct is not liable for any economic, consequential or incidental damages, damages reasonably expected to result from a loss or injury or other miscellaneous damages and expenses resulting directly from a loss or injury. In addition, Owner Operator Direct is not liable, even if we have been negligent or if we have been advised of the possibility of damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions may not apply to you in their entirety. Our liability to you for all losses of any kind, regardless of the legal theory for the claim, is limited, in any event, to the amount you have paid to access our site.


INDEMNIFICATION

You agree to indemnify and hold Owner Operator Direct harmless from and against any and all liability, loss, claims, damages, costs and actions including reasonable attorney fees based upon or arising out of any breach by you of your obligations under these Terms & Conditions. Owner Operator Direct reserves the right to defend any such claim, and you agree to provide such reasonable cooperation and information as Owner Operator Direct may request.


JURISDICTION

Use of this site shall be governed by and construed in accordance with the laws of the State of New York without giving effect to any principles of the conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Nassau County, New York.

Should any provision of these Terms & Conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.


Updated January 19, 2024.