Terms and Conditions of Event Participation

The OAMIC event for which you are registering has been prepared for informational or educational purposes only. In consideration of the right to participate in the Event (which includes travel to and from the Event and participation in any or all activities connected with the event such as, but not limited to, tours, trips, hotel occupancy, receptions, business meetings, etc.), you agree to be bound by the terms and conditions of this notice. If you do not agree with the terms and conditions of this notice, you are hereby instructed not to register, attend or participate in the Event.

By participation in Event, you hereby waive any and all rights or claims you may have against the Ohio Association of Mutual Insurance Companies, Inc., its subsidiary companies, and its respective directors, officers, employees, members, staff (OAMIC), and all individuals assisting in instructing and conducting activities at the Event, and you hereby fully release and discharge them, from any and all claims resulting from injuries, including death, damages or loss, which may accrue to you or your heirs arising out of or in any way connected with your participation in the Event. You further agree to indemnify, defend, and hold harmless OAMIC and all individuals assisting in instructing and conducting the Event, from any and all claims resulting from injuries, including death, damages, or loss, which may accrue to you or your heirs arising out of or in any way connected with your participation in the Event.

You grant OAMIC the right and permission to use, publish, and otherwise reproduce in any manner or form and for any purpose; in print, electronic or digital format; your likeness or picture in any photographs taken in connection with your participation.

All materials and services provided as part of the Event are provided “as is” without warranty of any kind. With respect to these materials and services OAMIC and/or its suppliers make no representations and disclaim all warranties, express or implied, including, but not limited to: warranties of title, non-infringement, merchantability and fitness for a particular purpose regarding the suitability of the information; the accuracy, reliability, completeness or timeliness of the content, services, products, or other items connected with the Event.

The Event may include advice, opinions, and statements of various speakers, presenters, information providers or instructors, content providers (Presenter or Presenters). OAMIC does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any Presenter or other participant. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither OAMIC nor any Presenter or other participant shall be liable to anyone for any inaccuracy, error, omission, interruption, use of any content herein, regardless of cause, for any damages resulting therefrom. Participation in the Event or receipt of information from Presenters or other participants does not constitute a professional-client relationship of any kind. Information acquired at the Event of a legal nature should not be acted upon without seeking professional counsel. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information is presented with the understanding that the Presenters, or other participants, are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Information provided at Event relative to any products or services do not, in itself, comprise a contract or offer.

All materials and information presented or used at the Event may be subject to copyrights owned by OAMIC and Presenters or other participants, whether individuals or entities. Any reproduction, retransmission, or republication of all or part of any graphic images, materials or documents used at the Event is expressly prohibited, unless ICAC or the copyright owner has expressly granted its prior written consent to so reproduce, retransmit, or republish the material. All other rights are reserved.

The names, trademarks, service marks and logos of OAMIC that appear at Event site may not be used in any advertising or publicity, or otherwise to indicate OAMIC’s sponsorship of or affiliation with any product or service, without OAMIC’s prior express written permission.

OAMIC does not operate or control in any respect any information, products or services provided or presented by any third-party at the Event and does not guarantee that any information contained thereon will be accurate. Third parties are included at the Event solely for the convenience of Event participators and do not constitute any endorsement, approval or certification by OAMIC, its affiliates and/or its suppliers. Any opinions, advice, services, or other information made available by third parties are those of the respective third parties and not of OAMIC.

OAMIC shall have the right, at its discretion, to change, modify, add or remove information, presentations, events or other Event activity at any time. Notification of any such changes may be made herein, but is not guaranteed. Changes shall be effective immediately, and subsequent participation by you at the Event shall constitute your acceptance of them.

Privacy Statement

The Event registration form requires you to give us contact information (like your name, email, and postal address), financial information (like your bank account or credit card numbers), and demographic information (like your zip code, age, or income level). Contact information from the registration forms is used to send acknowledgements, materials and other information about the Event, OAMIC, including other OAMIC products, services or event, and made available to other participants at the Event. Your contact information is also used to get in touch with you when necessary. Financial information that is collected is used to bill you for the Event.

Anti-Trust Policy

As you participate in the Event, please keep in mind that numerous state and Federal laws absolutely prohibit the exchange of information among competitors regarding price, refusals to deal, or agreements to proceed in certain anti-competitive respects, and that no such exchange of this information is either sanctioned by OAMIC or will be permitted during our meeting. This is a very serious matter and your cooperation will be appreciated.

Although the McCarran-Ferguson Act has given a limited exemption to the insurance industry from certain otherwise prohibited activities, board members should realize that the exemption provided companies has definite limits and that OAMIC itself, as a trade association, has no such exemption. Activities, both in and out of the meeting room, are exempt only if they: a) involve the business of insurance; b) are regulated by state law; and c) do not constitute an agreement to boycott, coerce and/or intimidate or an act to further any of the three. Please note that legislative activities are protected by the 1st Amendment and are generally not subject to anti-trust laws.

Conviction for certain violations of the anti-trust laws (Sherman Act, Clayton Act, FTC Act and Robinson-Patman Act) often result in jail sentences, fines or both, even for first offenders who are otherwise leaders in their communities.

Beside discussions involving any possible insurance market boycott, coercion and/or intimidation, which are never protected under any circumstances, here are some practices which you should not initiate nor participate in as they may expose you, your company, and OAMIC to possible anti-trust investigation and/or prosecution by any state or the FTC or Justice Department. Discussing, sharing data or “signaling” with the purpose of agreeing to proceed in anti-competitive respects in any of the following areas:

  • Price, profits, commission, credit, or other terms or conditions of any products to be offered for sale.
  • Reinsurance, salaries, or any other cost components and elements.
  • Underwriting criteria with an eye toward standardizing.
  • A market division plan without a state law covering the plan, including discussions of type or products to be offered, customers to whom insurance products may be sold or the territories in which they may be sold.
  • Rates, the stabilizing of rates, or future rate plans including actuarial projections.
  • “Fair” profit levels or developing “standards” for company operations.
  • Keeping access to OAMIC membership unduly restrictive or denying unique services of OAMIC to nonmembers.
  • Matters that would adversely affect availability of insurance or services to the public.
  • Dealing or refusing to deal with certain customers or suppliers; business bidding practices; or dealings with any agency/ broker or other insurance market participant.
  • Current or future company market place reactions to legislation or regulations.

If any of the above occurs, you should object, have your objection noted in the minutes of any meeting and, if the discussion or practice continues, leave the room. Further, the prohibitions apply to discussions in an informal or social setting, not just regularly scheduled meetings.

If you see any prohibited practices occurring in any OAMIC meeting or social event, please mention your concern to an officer of the Association.