Terms of Use


“FLMIC” as used herein refers to Florida Lawyers Mutual Insurance Company and its subsidiary which includes Florida Lawyers Insurance Agency, Inc.

The “FLMIC website” refers to any information, pages or materials accessed through the flmic.com domain.


The following Terms of Use describe the terms and conditions that apply to your access and use of the FLMIC website. By using the website you agree to these terms.

FLMIC reserves the right to change, modify, or delete any information (including the following terms of use) contained on the FLMIC website without prior notice.  Information on this Site may contain inaccuracies or errors.  Information on this Site may be changed or updated without notice.  FLMIC has no obligation to update information on this Site, so such information may be out of date at any given time.  FLMIC also may make improvements or changes in the professional liability policy and products described on this Site at any time without notice.  By continuing use of the FLMIC website after any such changes, you will be deemed to have accepted those changes, and you should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Laws and Regulations.

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Information Purposes Only.

The policy and services described on this Site are provided for informational purposes only.  The information included on this Site is not an offer to sell or issue a policy.

Policy only Available in Florida.

The lawyers professional liability policy described on this Site is only available in Florida to lawyers who are members of the Florida Bar and practice in Florida.

Policy Restrictions, Limitations and Terms.

The FLMIC lawyers professional liability policy referenced on this Site has restrictions, limitations, and terms regarding coverage.  For complete details concerning coverage and product availability, contact a FLMIC underwriter at

Availability of Policy and Services.

You may not be eligible for FLMIC’s lawyers professional liability policy, and FLMIC reserves the right to determine such eligibility as permitted by law.  Where noted, FLMIC’s insurance policy or services may be subject to specific terms, conditions, representations or agreements.  The portions of this site related to such lawyers professional liability policy and services provide additional information about terms, conditions representations, agreements, eligibility and availability.

Secured Areas/Passwords.

Some portions of this Site are restricted and require authorization for access.  Unauthorized use of or access to these areas is prohibited.  Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.  If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password.  FLMIC will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.

No Warranty.

All information on this Site is provided to you “As is” without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site.  FLMIC expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title non-infringement, security and accuracy.

Limitation of Liability.

The information and materials contained on the FLMIC website are designed to be general in nature and are not complete descriptions of all the terms, conditions, and exclusions of the lawyers professional liability policy and services offered by FLMIC.  The information and materials contained on the FLMIC website may contain technical inaccuracies, errors, omissions and/or typographical errors.  As such, FLMIC does not accept any responsibility or liability for any actions taken or forborne as a result of the use, application or dissemination of any information or materials contained on our site.  FLMIC specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if FLMIC has been advised on the possibility of any such damage).

FLMIC is not responsible for any damages or injuries resulting from your use of the FLMIC website.  These include (but are not limited to) damages or injury caused by any: (1) use or inability to use the site; (2) use or inability to use any site to which you access from our site; (3) interruption; (4) defect; (5) delay in operation or transmission; (6) computer virus; (7) malicious code; (8) line failure; or (9) point of access failure.

No Professional Advice.

The FLMIC website is intended to operate as a general informational resource. Any information available on the FLMIC website is not offered as, nor constitutes legal, accounting or other professional advice of any nature.


The FLMIC website may also provide links to other third-party websites not maintained by FLMIC.  These links are provided solely as a courtesy, and are not intended, nor do they constitute an endorsement by FLMIC of the linked material. FLMIC makes no warranties or representations about the products or services that may be offered on these sites.  Access to any such other site linked to this Site is at the User’s own risk.  FLMIC recommends you review the privacy and terms of use of any linked sites.

Any link to the FLMIC website must be a text only link clearly marked by either flmic.com or Florida Lawyers Mutual Insurance Company.  The appearance, position and context of any link to FLMIC must not be such as to dilute or damage the goodwill associated with the names and respective marks of FLMIC. When selected by a user, the link must display the FLMIC website in a new browser “window” and not within a frame of the linking site.  FLMIC reserves the right to revoke a link at any time in its sole discretion.

Restrictions on Use of Materials.

This website is owned and operated by FLMIC.  Except as otherwise expressly permitted by FLMIC, no materials from this website or any website owned, operated, licensed or controlled by FLMIC may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.  You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials.  You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without FLMIC=s written permission.  FLMIC neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Emails to FLMIC Addresses.

The FLMIC email system is a private email system intended only for purposes authorized by FLMIC.  You are not authorized to send numerous unsolicited commercial email messages to any email addresses at @flmic.com.  FLMIC reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.

Visitor Submissions.

We may collect and store information you provide to us through forum submissions on the FLMIC website or via email.

Privacy Policy.

To receive information about FLMIC’s Privacy Policy please visit our Notice of Privacy Policy.