Legal Disclaimer

    Insurance Products

    The information contained on this site is not intended to constitute an offer to sell or a solicitation in connection with any product or service by ORCIG or any of its related, affiliated or subsidiary companies. Services referenced on this site may not be available in all jurisdictions and may not be offered to all inquirers, and ORCIG reserves the right to determine eligibility for any product or service.


    All information, other than personal information subject to ORCIG’s Internet Privacy Policy, submitted to ORCIG through this Site or any related ORCIG Site is the property of ORCIG. ORCI G shall be free to use any ideas, concepts, know-how, or techniques that you may submit to ORCIG through this Site to improve our services. We shall not be subject to any obligations of confidentiality regarding any submitted information, except as specified in ORCIG's Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

    Electronic Downloads

    While every effort is made to ensure the integrity of the files available for downloading from this site, ORCIG cannot and does not guarantee or warrant that those files are free of viruses, worms, Trojan horses, or other codes that have contaminating or destructive properties. ORCIG does not make any express or implied warranties, representations, or endorsements whatsoever (including without limitation warranties of title, non-infringement, or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will ORCIG be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on information obtained from the use of files downloaded from this site.

    Electronic images of documents available for downloading from this site are intended to provide a convenience to our insureds and do not legally replace the original, signed paper copies of those documents.

    Each file may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is especially prohibited, unless prior written consent is obtained from the appropriate copyright holder. ORCIG owns this site and its contents and has the right to control access to it and, therefore, prohibits any kind of hyperlink from any other site to ours unless you first obtain our written permission.