Terms of Use

Last Updated: October 13, 2026

Welcome to the Bishop Street Underwriters website, located at https://bishopstreetuw.com/ (the “Website”).

These Terms of Use (“Terms”) govern your access to and use of the Website, including its content, text, images, graphics, documents, information, and other materials (collectively, the “Services”).

The Website is operated by Bishop Street Underwriters (“Bishop Street,” “we,” “us,” or “our”).

PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE.

By accessing or using the Website, you agree to comply with these Terms and all applicable laws and regulations. If you do not agree with these Terms, you should discontinue your use of the Website.

Bishop Street reserves the right to modify these Terms at any time. Changes become effective when posted to the Website unless otherwise indicated. Your continued use of the Website following the posting of changes constitutes your acceptance of the revised Terms.

1. Use of the Website

The Website is provided for general informational and legitimate business purposes relating to Bishop Street Underwriters, its operations, insurance platform, affiliated businesses, and potential business relationships.

By accessing the Website, you represent and agree that:

You are at least 18 years of age or have reached the age of majority in your jurisdiction.
You will use the Website only for lawful purposes.
You will comply with all applicable laws and regulations.
You will not misrepresent your identity or affiliation with any person or organization.
If accessing the Website on behalf of an organization, you have the authority to act on its behalf.
You will not interfere with the security, functionality, or operation of the Website.

Bishop Street grants you a limited, nonexclusive, nontransferable, revocable right to access and use the Website for lawful informational and business purposes, subject to these Terms.

No ownership rights or licenses to any intellectual property are transferred through your use of the Website.

2. Prohibited Activities and Restrictions

You agree not to use the Website in any manner that could damage, disable, impair, or interfere with its operation or security.

Prohibited activities include, but are not limited to:

Accessing or attempting to access restricted areas of the Website, servers, or connected systems without authorization.
Attempting to bypass security measures or authentication procedures.
Introducing viruses, malware, malicious code, or other harmful technologies.
Conducting unauthorized vulnerability scanning, penetration testing, or security assessments.
Using automated bots, scrapers, crawlers, or similar technologies to collect Website content or data without authorization, except for ordinary indexing by legitimate search engines.
Copying, reproducing, distributing, modifying, or commercially exploiting Website content without prior written permission.
Reverse engineering, decompiling, or attempting to extract the source code of Website software except where expressly permitted by applicable law.
Using the Website to distribute unsolicited communications, spam, or misleading materials.
Impersonating Bishop Street, its employees, affiliates, or representatives.
Using Website content in a manner that falsely suggests an endorsement, partnership, or affiliation.
Violating the intellectual property, privacy, or other legal rights of Bishop Street or any third party.

Bishop Street reserves the right to restrict or terminate access to the Website if it reasonably determines that these Terms have been violated.

Where appropriate, Bishop Street may pursue available legal remedies or refer suspected unlawful activities to the appropriate authorities.

3. Website Content and Information

The information provided on this Website is intended for general informational purposes only.

While Bishop Street endeavors to maintain accurate and current information, we do not guarantee that all Website content is complete, accurate, current, or free from errors.

Information regarding Bishop Street's operations, business relationships, underwriting capabilities, affiliated businesses, or strategic initiatives may change without notice.

Bishop Street reserves the right to modify, remove, or discontinue Website content or functionality at any time.

You are responsible for evaluating the suitability of Website information for your intended purposes.

4. Insurance and Underwriting Disclaimer

Bishop Street Underwriters operates within the specialty insurance industry. Information presented on this Website regarding insurance programs, underwriting capabilities, products, services, or affiliated businesses is provided for general informational purposes.

Nothing on this Website constitutes an offer to provide insurance coverage, a binding insurance quotation, a commitment to underwrite a risk, or a guarantee that any insurance product or service is available.

Insurance products, coverage terms, underwriting decisions, and eligibility requirements may vary based on applicable laws, jurisdictions, carrier requirements, and individual circumstances.

No insurance coverage is bound, issued, modified, or extended solely through the use of this Website or the submission of a general inquiry.

Any insurance coverage, where applicable, is subject to the terms, conditions, exclusions, and limitations of the relevant insurance policy and applicable agreements.

Information on this Website should not be considered legal, financial, tax, insurance coverage, or other professional advice.

Visitors should consult appropriately qualified professionals regarding their specific circumstances.

5. Submissions and Communications

Visitors may communicate with Bishop Street through contact forms, email, or other communication channels available through the Website.

By submitting information, you represent that:

The information is accurate to the best of your knowledge.
You have the right and authority to provide the information.
Your submission does not infringe the rights of any third party.
Your submission does not contain unlawful, threatening, defamatory, misleading, or otherwise inappropriate material.
Your submission does not contain malicious software or harmful code.

Bishop Street may use information submitted through the Website for legitimate internal business purposes, including responding to inquiries, evaluating business opportunities, and maintaining business communications.

Bishop Street does not sell, rent, trade, or share personal information collected through its Website with outside organizations for advertising, marketing, lead generation, or data monetization.

Information submitted through the Website is handled in accordance with our Privacy Policy.

Bishop Street may use and retain business communications and submissions as reasonably necessary for legitimate business purposes, subject to applicable confidentiality obligations and privacy laws.

Submitting information through the Website does not establish a contractual, advisory, fiduciary, insurance, or other professional relationship with Bishop Street.

Unless otherwise agreed in writing, submitting an inquiry does not obligate Bishop Street to respond, enter into discussions, or pursue a business relationship.

Visitors should not submit confidential underwriting materials, sensitive personal information, or proprietary business information through general contact forms unless specifically requested through an appropriate secure process.

6. Intellectual Property Rights

All content and materials available on the Website, including text, graphics, photographs, logos, designs, trademarks, service marks, software, and other materials, are owned by Bishop Street or its respective licensors and are protected by applicable intellectual property laws.

The Website and its contents may not be copied, reproduced, modified, distributed, published, displayed, transmitted, or commercially exploited without prior written authorization, except as expressly permitted by law or these Terms.

You may view and download reasonable portions of Website content for personal reference or legitimate internal business purposes, provided that all copyright, trademark, and proprietary notices remain intact.

Nothing in these Terms grants any right, title, or interest in Bishop Street's intellectual property.

All rights not expressly granted are reserved.

7. Trademarks and Branding

The Bishop Street Underwriters name, logos, trademarks, service marks, branding, and related identifiers are the property of Bishop Street or their respective owners.

You may not use these materials without prior written permission in any manner that:

Suggests sponsorship, approval, endorsement, or affiliation.
Creates confusion regarding the source of goods or services.
Misrepresents a business relationship.
Infringes applicable intellectual property rights.

Third-party names, trademarks, and logos appearing on the Website remain the property of their respective owners.

8. Linking and Framing

You may link to the publicly accessible homepage of the Website for lawful, informational purposes, provided that the link does not falsely suggest affiliation, sponsorship, or endorsement by Bishop Street.

You may not:

Frame or embed the Website within another website without authorization.
Reproduce or mirror substantial portions of Website content.
Use Website content in a misleading or deceptive manner.
Link to the Website in connection with unlawful or infringing activities.
Misrepresent your relationship with Bishop Street.

Bishop Street reserves the right to request removal of any link that violates these Terms or applicable law.

9. Third-Party Websites and Links

The Website may contain links to websites operated by affiliated businesses, insurance industry organizations, strategic partners, service providers, or other third parties.

These links are provided for convenience and informational purposes.

Bishop Street does not control independently operated third-party websites and is not responsible for their content, availability, accuracy, security, or privacy practices.

The inclusion of a third-party link does not necessarily constitute an endorsement of that website or its products and services.

Your use of third-party websites is subject to their respective terms, conditions, and privacy policies.

10. Privacy and Website Analytics

Your use of the Website is subject to our Privacy Policy, which explains how information is collected, used, and protected.

Bishop Street uses Google Analytics exclusively to measure website performance, understand visitor engagement, and improve Website functionality.

Google Analytics may process limited technical and usage information on our behalf to provide website analytics services.

Bishop Street does not use this information for targeted advertising campaigns, lead generation, or the sale of visitor data.

Personal information collected through the Website is not sold or shared with outside organizations for advertising or marketing purposes.

For additional information, please review our Privacy Policy at:

https://bishopstreetuw.com/privacy-policy/

11. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES PROVIDED THROUGH IT ARE MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS.

To the fullest extent permitted by applicable law, Bishop Street disclaims all warranties, express or implied, including warranties of:

Merchantability.
Fitness for a particular purpose.
Non-infringement.
Accuracy or completeness.
Availability or uninterrupted operation.
Security or freedom from errors, viruses, or other harmful components.

Bishop Street does not warrant that the Website will operate without interruption, that defects will be corrected immediately, or that all information will remain continuously available.

Your use of the Website is at your own risk.

Nothing in this section excludes warranties or rights that cannot lawfully be excluded.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Bishop Street, its affiliates, officers, directors, employees, representatives, licensors, and service providers shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, the Website.

This includes, without limitation, damages arising from:

Website interruptions or technical failures.
Errors, omissions, or inaccuracies in Website content.
Unauthorized access to or interference with Website systems.
Loss of data or business opportunities.
Third-party websites or services linked from the Website.
Reliance on information provided through the Website.

These limitations apply to the extent permitted by law, regardless of the legal theory under which a claim is asserted.

Nothing in these Terms limits liability that cannot lawfully be excluded or restricted.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Bishop Street, its affiliates, officers, directors, employees, representatives, licensors, successors, and assigns from claims, liabilities, damages, losses, and reasonable expenses, including attorneys' fees, arising from:

Your violation of these Terms.
Your unlawful or unauthorized use of the Website.
Your infringement of any intellectual property or other third-party rights.
Information or materials you submit in violation of these Terms.
Your interference with the security or operation of the Website.

Bishop Street reserves the right to assume control of the defense of any matter subject to indemnification, in which case you agree to cooperate reasonably with that defense.

14. Termination and Suspension of Access

Bishop Street reserves the right to suspend, restrict, or terminate access to the Website, without prior notice, when reasonably necessary to:

Enforce these Terms.
Protect Website security.
Prevent unauthorized or unlawful activity.
Comply with applicable legal obligations.
Maintain or modify Website operations.

You may discontinue use of the Website at any time.

Termination of access does not affect provisions of these Terms that, by their nature, are intended to survive termination, including intellectual property protections, disclaimers, limitations of liability, and indemnification.

15. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the State of New York, United States, without regard to its conflict-of-law principles, unless otherwise required by applicable law.

Subject to applicable law, disputes arising from or relating to these Terms or use of the Website shall be brought before the appropriate state or federal courts located in New York County, New York.

By using the Website, you consent to the jurisdiction of those courts for such disputes, to the extent permitted by law.

16. Electronic Communications

By communicating with Bishop Street electronically, you consent to receive responses and related communications through electronic means.

Where permitted by applicable law, electronic communications and notices may satisfy requirements that communications be provided in writing.

Nothing in these Terms requires you to consent to electronic signatures or electronic transactions beyond what is separately agreed upon or authorized by applicable law.

You are responsible for maintaining copies of communications and documents relevant to your interactions with Bishop Street.

17. Assignment and Delegation

You may not assign or transfer your rights or obligations under these Terms without Bishop Street's prior written consent.

Bishop Street may assign its rights or delegate its obligations under these Terms in connection with a corporate restructuring, merger, acquisition, sale of assets, or other legitimate business transaction, subject to applicable law.

18. Third-Party Beneficiaries

Except as expressly stated in these Terms, no person or entity other than you and Bishop Street is intended to have enforceable rights under these Terms.

Bishop Street's affiliates, licensors, and service providers may benefit from provisions expressly extending protections to them, including applicable intellectual property protections, disclaimers, limitations of liability, and indemnification provisions.

19. Copyright Infringement

Bishop Street respects the intellectual property rights of others and expects Website users to do the same.

If you believe content appearing on the Website infringes your copyright, please submit a written notice containing:

Identification of the copyrighted work claimed to have been infringed.
Identification and location of the allegedly infringing material.
Your name and contact information.
A statement that you have a good-faith belief that the disputed use is unauthorized.
A statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner.
Your physical or electronic signature.

This contact provision does not, by itself, designate a registered agent under the Digital Millennium Copyright Act.

20. General Provisions

These Terms, together with our Privacy Policy and any additional terms expressly applicable to specific Website features, govern your use of the Website.

If any provision is found invalid or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by law.

Bishop Street's failure to enforce any provision shall not constitute a waiver of that provision or any other rights.

Section headings are provided for convenience and do not affect the interpretation of these Terms.

These Terms do not create an employment, agency, partnership, fiduciary, or joint venture relationship between you and Bishop Street.

Any rights not expressly granted under these Terms are reserved by Bishop Street.

21. Changes to These Terms

Bishop Street may revise these Terms periodically to reflect changes in its Website, business operations, legal requirements, or security practices.

Revisions will be posted on this page, and the “Last Updated” date will be updated accordingly.

Your continued use of the Website following the effective date of revised Terms constitutes acceptance of those changes.

We encourage visitors to review these Terms periodically.

22. Contact Us

If you have questions or concerns regarding these Terms of Use, please contact:

Bishop Street Underwriters

Website: https://bishopstreetuw.com/

Email: info@bishopstreetuw.com

Contact: https://bishopstreetuw.com/contact-us/