Terms of Use

Effective Date: January 2021

You are on the website of Kemper Corporation (referred to herein as “Kemper”, “we,” “us,” or “our”). When we refer to “you,” “your,” or “user,” we refer to the person using or accessing this website. By using or accessing the website, you acknowledge and agree that you have read and understood, and that you agree to be bound by, these Terms of Use (referred to herein as “Terms of Use” or Terms”). If you do not wish to be bound by these Terms, please discontinue using and accessing this website immediately. You also acknowledge that you have read and understood the Kemper Privacy Policy (“Policy”), which contains important information about how we collect, use, disclose and safeguard your information when you visit our website, our mobile websites, and our mobile device applications where this Policy is located.

In some instances, you may be subject to different or additional terms and conditions, policies, and guidelines (“Additional Terms”) that are applicable to certain parts of the website. Those Additional Terms will be posted on the website in connection with the relevant offering. In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms shall control.

Kemper reserves the right to change these Terms and the Additional Terms at any time without notice in our sole discretion. We will indicate changes to these Terms by updating the “Effective Date” above. Your use of the website following a change to these Terms signals your acceptance of the modification(s).

Please read the Terms below carefully before you start to use the Kemper website.  

We do not authorize persons less than 16 years of age to use our website, our products or services. Our services and our websites are not marketed to or directed to children under the age of 16. We thus do not knowingly collect personally identifiable information directly from children under the age of 16 through our website. If you are a parent of a child under 16, and you believe that your child has directly provided us with information about him or herself through our website or online services or that we have otherwise received information directly from or about a minor through our website or online services, please contact us. 

In the event that we become aware that we have collected personal information directly from a person under 16 years of age through our website or online services, we will delete such information from our database.

To learn more about how to protect your child online, visit the FTC’s website. You may also want to read the helpful information about kids and privacy that the FTC provides.
 

    The website and all of its content and information (“Content”) is provided solely for general informational purposes and is not intended to be a contract, a solicitation, or an offer to sell in connection with any product or service. The Content is not a complete description of all terms, conditions, and exclusions applicable to the products and services described. Please visit the websites of the principal businesses of the Kemper family to find more information about the various products and services offered by each of them. All products and services are subject to the qualification requirements that the business segment has established and may be changed at any time without notice.  Products and services referenced in this website may not be available in all jurisdictions, or in all underwriting companies, or by all our principal businesses. The Kemper businesses only offer insurance in the United States.

    Nothing in this website should be construed to represent what sort of coverage, if any, may apply to any type of claim or loss or what coverage is included within any type of policy. Policy provisions can vary by state, program, and company. In addition, state law may impact the application or meaning of a policy. Descriptions of insurance on this website are intended to be very general in nature and actual policy terms may differ significantly from the coverage described herein.

      All of our businesses are managed separately, and each sets its own rates, product offerings and markets. Each of our businesses also has its own website that it individually manages. Those websites are subject to their own terms and conditions. Kemper is a holding company. It owns various businesses which write insurance and provide certain services to customers. Kemper itself does not write insurance, adjust or pay claims, or provide other insurance services. Requests for insurance transactions such as these on our website are thus generally automatically routed directly to an affiliate company. Please check the applicable terms of use and privacy policy of the websites of the individual businesses for information pertinent to their businesses, their web pages, and practices.

      Additional websites in the Kemper family include:

      Infinity, a Kemper Company

      KemperHSC (Life)

      Kemper Health

      Kemper Benefits

      Kemper Senior Solutions

      Kemper Foundation

       

        The links to other, non-Kemper affiliated websites may be accessed through this web site for your convenience only. Such external internet addresses contain information created, published, maintained, or otherwise posted by organizations and entities independent of Kemper. Kemper is not responsible for the content of those websites nor does it approve, endorse, or certify information available at these websites or any linked addresses contained herein. Kemper makes no warranties and hereby disclaims all liability as to the accuracy of the content and to any representations made concerning the quality of products or services provided on those websites or pages. Kemper is also not responsible for the privacy policies or practices of those websites or of those companies.

          The website, its Content, including all copryights, trademarks, service marks, trade names, and all other intellectual property rights (“Intellectual Property”) are owned and controlled by Kemper, its subsidiaries, or its licensors and are protected by copyright or other applicable intellectual property laws. You may print a copy of the Content for your personal non-commercial use only. You may not, however, copy, use, reproduce, or distribute the Content or the Intellectual Property (including the Kemper name) or make copies of all or substantially all of our website or link to it, absent specific, prior written permission from Kemper. You also may not delete or alter copies of the original to exclude copyright or other notices. Finally, you may not use our logo or service mark in advertising or publicity without specific, prior written permission from Kemper.

            The Content was believed to be accurate at the time it was published. While Kemper periodically updates the Content, it is subject to change without notice, and Kemper makes no guarantee as to the timeliness or accuracy of any Content presented on this website at the time accessed.  Kemper is not responsible, and hereby disclaims liability, for any errors, omissions or availability of the Content. The Website and Content are provided on an “as is,” and “as available” basis without representation or warranty of any kind whatsoever. We reserve the right to add, remove and change information at any time without notice in our sole discretion.

              THE WEBSITE AND THE CONTENT, INCLUDING, WITHOUT LIMITATION, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SOME JURISDICTIONS, SUCH AS NEW JERSEY, DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE ABOVE DISCLAIMER MAY BE LIMITED BY LAW. IN NO EVENT SHALL KEMPER, ITS AFFILIATES, OR SUBSIDIARIES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES WHATSOEVER RESULTING FROM OR ACCOMPANYING YOUR USE OF THIS WEBSITE.   THESE INCLUDE, WITHOUT LIMITATION, LOSS OF USE, DATA, REVENUES OR PROFITS, REGARDLESS OF THE TYPE OF ACTION ASSERTED, WHETHER BASED ON CONTRACT, NEGLIGENCE OR OTHER TORTIOUS CONDUCT, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS WEBSITE OR PERFORMANCE OF THIS INFORMATION.   IN THE EVENT THAT CERTAIN STATES DO NOT ALLOW US TO LIMIT OR DISCLAIM LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY TO YOU FOR ALL LOSSES,  DAMAGES,  INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED IN CONTRACT,  NEGLIGENCE OR OTHER TORTIOUS ACTION,  WILL BE LIMITED TO THE EXTENT REQUIRED BY SUCH LAWS.

              Kemper does not endorse the thoughts, opinions and positions of its users, and we are not responsible for statements made by third parties.
               

                YOU AGREE THAT YOU WILL NOT BE PERMITTED TO OBTAIN AN INJUNCTION OR OTHER EQUITABLE RELIEF OF ANY KIND SUCH AS ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF ANY WEBSITE, APPLICATION, CONTENT, SUBMISSIONS, PRODUCT, SERVICE, OR INTELLECTUAL PROPERTY OWNED, LICENSED, USED, OR CONTROLLED BY KEMPER.

                  You agree to defend, indemnify, and hold harmless Kemper from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and costs) arising out of or in connection with any of the following: (i) your breach or alleged breach of these Terms; (ii) your use of the website; (iii) your violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities; (iv) your violation of the rights of any third party including any intellectual property, publicity, confidentiality, property, or privacy right; or (v) any misrepresentation made by you. Kemper reserves the right to assume, at your expense, the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with Kemper’s defense of any claim. You will not in any event settle any claim without the prior written consent of Kemper.

                    Jurisdiction and venue for any controversy, allegation, or claim arising out of or relating to the Services, the Content, these Terms of Use, or any applicable Additional Terms, (collectively, “Dispute”) shall be in Chicago, Illinois. Each party submits to personal jurisdiction and venue in Chicago, Illinois for any and all purposes.

                    Kemper and you agree that it would be advantageous to discuss and hopefully resolve any Disputes before formal proceedings are initiated; provided, however, that Kemper need not do so in circumstances where its claims of Intellectual Property rights are concerned (“IP Disputes,” with all other disputes referred to as “General Disputes”). The party making a claim – whether you or Kemper – shall send a letter to the other side briefly summarizing the claim and the request for relief. If Kemper is making a claim, the letter shall be sent, via email, to the email address listed in your Kemper account, as applicable. If no such information exists or if such information is not current, then we have no notification or delay obligations under this section. If you are making a claim, the letter shall be sent to: 200 E Randolph St #3300, Chicago, IL 60601. If the Dispute is not resolved within sixty (60) days after notification, the claimant may proceed to initiate proceedings as set forth in this section. Either you or Kemper, however, may seek provisional remedies (such as preliminary injunctive relief) subject to this section before the expiration of this sixty (60)-day period.

                    Unless you give us notice of opt-out within five (5) business days of your first use of the Services, addressed to: 200 E Randolph St #3300, Chicago, IL 60601, all actions or proceedings arising in connection with, touching upon or relating to any Dispute, or the scope of the provisions of this section, shall be submitted to JAMS (www.jamsadr.com) for final and binding arbitration under its Comprehensive Arbitration Rules and Procedures if the matter in dispute is over $250,000 or under its Streamlined Arbitration Rules and Procedures if the matter in dispute is $250,000 or less, to be held in Chicago, Illinois, before a single arbitrator. If the matter in dispute is between Kemper and a consumer, the matter shall be submitted to JAMS in accordance with its Policy on Consumer Arbitration Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness. The arbitrator shall be selected by mutual agreement of the parties or, if the parties cannot agree, then by striking from a list of arbitrators supplied by JAMS. We may have the right to pay the JAMS fees if required for arbitration to be enforceable. The arbitration shall be a confidential proceeding, closed to the general public; provided, however, that a party may disclose information relating to the arbitration proceedings to its and its affiliates’ lawyers, insurance providers, auditors and other professional advisers. The fact that there is a dispute between the parties that is the subject of arbitration shall be confidential to the same extent. The arbitrator shall issue a written opinion stating the essential findings and conclusions upon which the arbitrator’s award is based. Neither party shall be entitled or permitted to commence or maintain any action in a court of law with respect to any matter in dispute until such matter shall have been submitted to arbitration as herein provided and then only for the enforcement of the arbitrator’s award; provided, however, that prior to the appointment of the arbitrator or for remedies beyond the jurisdiction of an arbitrator, at any time, either party may seek pendente lite relief (subject to the provisions of these Terms of Use waiving or limiting that relief) in a court of competent jurisdiction in Chicago, Illinois or, if sought by Kemper, such other court that may have jurisdiction over you, without thereby waiving its right to arbitration of the dispute or controversy under this section; provided further, however, that the losing party shall have fifteen (15) business days after the issuance of the arbitrator’s decision to fully comply with such decision, after which the prevailing party may enforce such decision by a petition to the Circuit Court of Cook County, Illinois or, in the case of you, such other court having jurisdiction over you, which may be made ex parte, for confirmation and enforcement of the award. To the extent there are any challenges to the arbitrability of a claim, the arbitrator shall determine any and all such challenges.

                    AS PERMITTED BY APPLICABLE LAW, IF YOU CLAIM THAT YOU HAVE INCURRED ANY LOSS, DAMAGES, OR INJURIES IN CONNECTION WITH YOUR USE OF THE SERVICES, THEN THE LOSSES, DAMAGES, AND INJURIES WILL NOT BE DEEMED IRREPARABLE OR SUFFICIENT TO ENTITLE YOU TO AN INJUNCTION OR TO OTHER EQUITABLE RELIEF OF ANY KIND. THIS MEANS (WITHOUT LIMITATION) THAT, IN CONNECTION WITH YOUR CLAIM, YOU AGREE THAT YOU WILL NOT SEEK, AND THAT YOU WILL NOT BE PERMITTED TO OBTAIN, ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF THE SERVICES, CONTENT, PRODUCT, OR INTELLECTUAL PROPERTY OWNED, LICENSED, USED, OR CONTROLLED BY ANY KEMPER PARTY OR A LICENSOR OF ANY KEMPER PARTY.

                    These Terms shall be governed by and interpreted according to the laws of the state of Illinois without respect to any conflict of law provisions. This section however shall be governed solely by the Federal Arbitration Act, 9 U.S.C. §1, et seq., and not by the law of any state, and is enforceable pursuant to its terms on a self-executing basis. You and Kemper agree that we intend that this section satisfies the “writing” requirement of the Federal Arbitration Act. This section can only be amended by mutual agreement. Either party may seek enforcement of this section in any court of competent jurisdiction.

                    As permitted by applicable law, both you and Kemper waive the right to bring any Dispute as a class, consolidated, representative, collective, or private attorney general action, or to participate in a class, consolidated, representative, collective, or private attorney general action regarding any Dispute brought by anyone else. Notwithstanding any provision in the JAMS Comprehensive Arbitration Rules and Procedures to the contrary, the arbitrator shall not have the authority or any jurisdiction to hear the arbitration as a class, consolidated, representative, or private attorney general action or to consolidate, join, or otherwise combine the Disputes of different persons into one proceeding. Notwithstanding the arbitration provision set forth above, if the provision regarding waiver of class, collective, representative, and private attorney general claims of this section is found to be void or otherwise unenforceable, any such class, collective, representative, or private attorney general claims must be heard and determined through an appropriate court proceeding, and not in arbitration.

                    AS PERMITTED BY APPLICABLE LAW, THE PARTIES HEREBY WAIVE THEIR RIGHT TO JURY TRIAL WITH RESPECT TO ALL CLAIMS AND ISSUES ARISING UNDER, IN CONNECTION WITH, TOUCHING UPON OR RELATING TO THESE TERMS, THE BREACH THEREOF AND/OR THE SCOPE OF THE PROVISIONS OF THIS SECTION, WHETHER SOUNDING IN CONTRACT OR TORT, AND INCLUDING ANY CLAIM FOR FRAUDULENT INDUCEMENT THEREOF.

                    Notwithstanding the foregoing, either of us may bring qualifying claims of General Dispute (but not IP Disputes) in small claims court, subject to this section.

                    The provisions of this section shall supersede any inconsistent provisions of any prior agreement between the parties. This section shall remain in full force and effect notwithstanding any termination of your use of the Services or these Terms of Use.
                     

                      Our failure or delay to exercise or enforce any right, remedy or provision of these Terms of Use or by law will not operate as a waiver of such or any other right, remedy or provision.

                        Except for any Additional Terms that apply to your use of the Services as we may notify or make available to you, this is the entire understanding between you and us regarding the use of the Services, and supersedes all prior and contemporaneous agreements and understandings between you and us regarding this subject matter.  If any provision of these Terms is held to be invalid or unenforceable, it will not affect the validity or enforceability of any other provision hereof.

                          You agree not to use this website or the Content to:

                          1. Violate any laws or regulations;
                          2. Attempt or acquire unapproved access to our systems, network, servers or data;
                          3. Directly or indirectly, provide information that is intimidating, abusive, harassing, offensive, hateful, or racially, ethnically or otherwise unacceptable;
                          4. Supply or release viruses or any other systems code, program, file or any other content intended to disturb, terminate, or constrain the performance of our website;
                          5. Place information that contains solicitations or advertisements of any kind.
                             

                            We reserve the right to amend or reduce the functionality of the website or any Content on this website and/or suspend or terminate your access at any time for any reason, at our sole discretion and without prior notice. 

                              Each of our property and casualty principal businesses operates separately. Here is a list of underwriting companies that they may currently be using along with their respective principal places of business.

                              KEMPER PREFERRED

                              Kemper Independence Insurance Company¹
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 10914
                              State of Domicile: Illinois
                              CA COA: 07664

                              Unitrin Advantage Insurance Company
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 10881
                              State of Domicile: New York

                              Unitrin Auto and Home Insurance Company¹
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 16063
                              State of Domicile: New York
                              CA COA: 07738

                              Unitrin Safeguard Insurance Company
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 40703
                              State of Domicile: Wisconsin

                              Unitrin Preferred Insurance Company
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 25909
                              State of Domicile: New York

                              Trinity Universal Insurance Company¹
                              12696 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 19887
                              State of Domicile: Texas
                              CA COA: 3549

                              Trinity Universal Insurance Company also reinsures business underwritten by Home State County Mutual Insurance Company, an unaffiliated company and managed by Kemper General Agency, Inc.


                              Valley Property & Casualty Insurance Company
                              12926 Gran Bay Parkway West, Jacksonville, Florida 32258
                              NAIC #: 10698
                              State of Domicile: Oregon

                              1. These companies maintain a Certificate of Authority to transact insurance in California.  The Certificate of Authority number for each of these companies is listed after “CA COA.”

                              KEMPER AUTO

                              Alliance United Insurance Company
                              CA COA: 08977
                              9121 Oakdale Ave, Suite 201, Chatsworth, CA 91311
                              NAIC #10920
                              State of Domicile: California

                              Alpha Property & Casualty Insurance Company
                              8360 LBJ Freeway, Suite 400, Dallas, TX 75243
                              NAIC # 38156
                              State of Domicile: Wisconsin

                              Charter Indemnity Company
                              8360 LBJ Freeway, Suite 400, Dallas, TX 75243
                              NAIC # 37524
                              State of Domicile: Texas

                              Unitrin County Mutual Insurance Company
                              8360 LBJ Freeway, Suite 400, Dallas, TX 75243
                              NAIC # 29351
                              State of Domicile: Texas
                              Specialty Lines writes business in this company without using an MGA.

                              Financial Indemnity Company¹
                              CA COA: 08986;
                              8360 LBJ Freeway, Suite 400, Dallas, TX 75243
                              NAIC # 19852
                              State of Domicile: Illinois

                              KEMPER DIRECT²

                              Unitrin Direct Insurance Company
                              200 East Randolph Street, STE. 3300, Chicago, IL 60601
                              NAIC #:10226
                              State of Domicile:  Illinois
                              CA COA: 4658-1

                              Unitrin Direct Property & Casualty Company
                              200 East Randolph Street, STE. 3300,, Chicago, Illinois 60601
                              NAIC #: 10915
                              State of Domicile: Illinois
                              CA COA: 4591-4

                              Merastar Insurance Company
                              200 East Randolph Street, STE. 3300, Chicago, Illinois 60601
                              NAIC# 31968
                              State of Domicile: Illinois
                              CA COA:2384-6

                              Response Insurance Company
                              200 East Randolph Street, STE. 3300, Chicago, Illinois 60601
                              NAIC# 43044
                              State of Domicile: Illinois
                              CA COA: 2995-9

                              Response Worldwide Insurance Company
                              200 East Randolph Street, STE. 3300, Chicago, Illinois 60601
                              NAIC# 26050
                              State of Domicile:  Illinois
                              CA COA: 2354-9

                              Response Worldwide Direct Auto Insurance Company
                              200 East Randolph Street, STE.3300, Chicago, Illinois 60601
                              NAIC# 20133
                              State of Domicile: Illinois

                              Warner Insurance Company
                              200 East Randolph Street, STE. 3300, Chicago, Illinois 60601
                              NAIC# 26085
                              State of Domicile: Illinois

                              With respect to business managed by Kemper Direct General Agency, Inc.: Home State County Mutual Insurance Company, a nonaffiliate, P.O. Box 8036, Waco, Texas 76714. Note: Although this business is written by a nonaffiliate, it is 100% reinsured by Kemper affiliate, Trinity Universal Insurance Company, 12790 Merit Drive, Suite 400, Dallas, Texas 75251.

                              With respect to business managed by Kemper Direct General Agency, Inc.:  Unitrin County Mutual Insurance Company, an affiliate, P.O. Box 22368, Dallas, Texas 75222. 

                              2. The Kemper Direct underwriting companies also write business under the Kemper Select brand. 

                                United Insurance Company of America
                                Home Office: 200 East Randolph Street, Suite 3300, Chicago, IL 60601
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 69930
                                State of Domicile: Illinois

                                Capitol County Mutual Fire Insurance Company
                                Home Office: Executive Center II, 8360 LBJ Freeway, Suite 400, Dallas, TX 75243
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 29211
                                State of Domicile: Texas

                                Mutual Savings Fire Insurance Company
                                12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 31178
                                State of Domicile: Alabama

                                Mutual Savings Life Insurance Company
                                12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 66397
                                State of Domicile: Alabama

                                Old Reliable Casualty Company
                                12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 36625
                                State of Domicile: Missouri

                                The Reliable Life Insurance Company
                                12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 68357
                                State of Domicile: Missouri

                                United Casualty Insurance Company of America
                                Home Office: 200 East Randolph Street, Suite 3300, Chicago, IL 60601
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 11142
                                State of Domicile: Illinois

                                Union National Fire Insurance Company
                                Home Office: 3636 S. Sherwood Forest Blvd., Baton Rouge, LA 70816
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 12998
                                State of Domicile: Louisiana

                                Union National Life Insurance Company
                                Home Office: 3636 S. Sherwood Forest Blvd., Baton Rouge, LA 70816
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 69779
                                State of Domicile: Louisiana

                                Commonwealth Mutual Fire Insurance Company
                                Home Office: 3600 W. Broad Street, Ste. 166, Richmond, VA 23230-4013
                                Administrative Office: 12115 Lackland Road, St. Louis, MO 63146
                                NAIC # 13106
                                State of Domicile: Virginia

                                  Reserve National Insurance Company
                                  601 E. Britton Rd. Oklahoma City, OK 73114
                                  NAIC #: 68462
                                  State of Domicile: Illinois

                                  United Insurance Company of America
                                  12115 Lackland Rd. St. Louis, MO 63146
                                  NAIC #: 69930
                                  State of Domicile: Illinois

                                    If you have questions regarding this Terms of Use, you can contact us by email or by phone at 866-860-9348. If you prefer to write, our address is 200 E Randolph St #3300, Chicago, IL 60601.

                                     

                                    © 2021 Kemper Corporation. All rights reserved.