By accessing or using this website, you agree to comply with the following terms:

• You agree not to misuse the website, including but not limited to introducing viruses or interfering with the website’s functionality.

• All content on this website, including text, graphics, logos, and software, is owned by Toremis Specialty or licensed to us. You may not copy, reproduce, distribute or use any content without prior written permission.

• Information about our insurance products is provided for general information purposes only and does not constitute advice or an offer to sell. Further, you may not rely on any of the information provided.

• All insurance products are subject to the terms outlined in the respective policy issued in respect of any risk we may agree to underwrite on behalf of our capacity providers. You are responsible for ensuring the suitability of any product for your needs and should take independent legal advice.

We do not guarantee, and make no representation, that the content on this website is error-free, up-to-date or will remain available or accessible.

To the extent permitted by applicable law, Toremis Specialty excludes all liability for any loss or damage arising from your use of the website or reliance on its content or from the content temporarily or permanently not being available. This limitation does not exclude liability for fraud, death, or personal injury caused by negligence.

Our Privacy Policy outlines how we handle your personal data.

This website may contain links to third-party websites. We are not responsible for the content or practices of these websites and recommend you review their terms and policies.

These terms, and any disputes arising from them, are subject to English law and the exclusive jurisdiction of the courts of England and Wales.

If you have any questions, please contact us here.