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The Insured Agrees to the following Terms and Conditions in order to obtain the policy provided by Atlantic Mutual Legal Defense Insurance Company, Inc. 
  1. In order to qualify for coverage with Atlantic Mutual, you must continuously maintain a General Liability policy with a minimum of $250,000 per occurrence ; an Directors & Officers Liability policy with a minimum of $250,000 per occurrence; and Windstorm Coverage on all Association property.
  2. Atlantic Mutual Legal Defense Insurance Company, Inc., shall select and provide the attorney to defend the legal claim or lawsuit. The Insured shall not select the attorney to defend any claim.
  3. This policy shall not provide an attorney for any appeal. If an insured decides to appeal any decision, ruling or judgment, the insured shall be responsible for the payment of all legal fees and costs related to such appeal.
  4. The individual(s) who is signing the documentation regarding this policy on behalf of the association agrees and acknowledges that he or she has been delegated the specific authority by the board of directors of the association to bind the association to the terms and conditions of the policy provided by Atlantic Mutual Legal Defense Insurance Company, Inc., and to the terms and conditions stated on this web site.
  5. ALL DISPUTES THAT MAY ARISE BETWEEN THE INSURED AND ATLANTIC MUTUAL LEGAL DEFENSE INSURANCE COMPANY, INC., (“ATLANTIC”) WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING  ARBITRATION BEFORE A NEUTRAL  ARBITRATOR INSTEAD OF IN A COURT BY A  JUDGE OR JURY, AND THE INSURED AGREES  THAT IT AND ATLANTIC MUTUAL LEGAL DEFENSE INSURANCE COMPANY, INC., ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. THE INSURED AGREES THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS  AND CLASS ACTIONS ARE NOT PERMITTED  AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS  ACTION.
  6. The Arbitration agreed to above will be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures unless both parties agree to a different arbitration format. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by the INSURED or by ATLANTIC that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination will be made by JAMS or by the arbitrator. The arbitrator’s decision will be final and binding.
  7. The insured agrees that if there is any dispute between the insured and the attorney and/or law firm that represented the insured, the insured will not hold Atlantic Mutual Legal Defense Insurance Company, Inc., responsible or liable for the legal advice, actions or inactions of the attorney or law firm.
  8. The insured agrees that if there is any dispute between the insured and the attorney and/or law firm that represented the insured, the insured agrees to venue and jurisdiction in the Circuit Court of Broward County, Florida.
  9. The inured agrees that if there is any dispute between the insured and its insurance agent, the insured will not hold Atlantic Mutual Legal Defense Insurance Company, Inc., responsible or liable.
  10. Atlantic Mutual Legal Defense Insurance Company, Inc., makes no representations or warranties that are not provided or stated in this web site and in our policy. The insured agrees that it is not relying on any promotional material or verbal statements from anyone or any entity and only will rely on the information not provided or stated in this web site and in our policy.
  11. If the insured does not agree to all of the Terms and Conditions stated in this disclaimer section then the insured should not enter into a contract for the policy provided by Atlantic Mutual Legal Defense Insurance Company, Inc. 
  12. Prior to agreeing to enter into this policy, the Insured understands and agrees to the terms and conditions stated in the policy and on this web site.
  13. If any provision or agreement in this Terms and Conditions Section or on this website is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable and will not affect the validity and enforceability of any remaining provision. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. 
  14. The policy offered by Atlantic Mutual Legal Defense Insurance Company, Inc., has certain exclusions stated in the policy. The Insured has read the policy.
  15. The policy offered by Atlantic Mutual Legal Defense Insurance Company, Inc., does not provide money or indemnification to any party.
  16. The insured agrees and understands that if there is a judgment, levy or fine for money damages against the insured, the insured shall be responsible for the payment of such judgment, levy or fine. Atlantic Mutual Legal Defense Insurance Company does not provide money or indemnity to any party for any claim, judgment, levy or allegation.