Legal
Terms of Use
These Terms of Use govern access to and use of the First Risk Underwriters LLC company website. Content is informational only and is not an offer or binder of insurance.
Acceptance of Terms
By accessing this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site.
Informational Purpose Only
This site provides general information about First Risk Underwriters LLC and its specialty program designs. It is not an offer of insurance, a quotation, a binder, a policy, or insurance, legal, or tax advice. No coverage is created by browsing, downloading materials, or contacting us through this site.
Not a Carrier; Availability
FRU is a managing general underwriter / MGU, not an insurance company. Any coverage, if issued, is intended to be written by an appointing insurance carrier on that carrier’s paper, subject to underwriting, delegated authority, forms, and applicable law. Programs and products described may be illustrative target designs and may not be available in all jurisdictions.
No Broker or Agency Relationship by Default
Use of this website does not appoint you as a producer, create an agency relationship, or obligate FRU to accept submissions. Producer appointments, if any, require separate written agreement and licensing verification.
Use of Website
You agree to use this site only for lawful purposes and not to attempt unauthorized access, disrupt service, or misuse contact forms (including spam or automated scraping that burdens the site).
Intellectual Property
All content on this site, including text, graphics, and logos, is the property of First Risk Underwriters LLC unless otherwise noted, and may not be used without permission.
No Warranty
This site and its content are provided “as is” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.
Limitation of Liability
First Risk Underwriters LLC is not liable for any damages arising from the use of, or inability to use, this website, to the fullest extent permitted by law.
Third-Party Links
First Risk Underwriters LLC is not responsible for the content or practices of third-party websites linked from this site, including distribution or technology partners.
Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Exclusive venue for disputes arising from these Terms or the site lies in state or federal courts located in Florida, unless applicable law requires otherwise.
Changes to Terms
These terms may be updated from time to time. Continued use of the site after changes constitutes acceptance of the updated terms.
Contact
Questions about these Terms of Use can be directed to First Risk Underwriters LLC through the contact form on this website.
Last updated: July 30, 2026