Legal Disclosures/Terms and Conditions

A. The insurance policies, coverage and services described in this website (this “website”) are provided by the following insurers managed by Summit Consulting LLC (“Summit”), a Florida domiciled managing general agent with its principal place of business at 117 North Massachusetts Ave., Lakeland, FL 33801, and the following workers’ compensation insurers managed by Summit (the “Managed Carriers”):

Bridgefield Casualty Insurance Company (Summit affiliate)
Bridgefield Casualty Insurance Company is a Florida-domiciled property and casualty insurance company, authorized in Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia, with its principal place of business at 117 North Massachusetts Ave., Lakeland, Florida 33801, NAIC number 10335.

Bridgefield Employers Insurance Company (Summit affiliate)
Bridgefield Employers Insurance Company is a Florida-domiciled property and casualty insurance company, authorized in Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia, with its principal place of business at 117 North Massachusetts Ave., Lakeland, Florida 33801, NAIC number 10701.

Bridgefield Indemnity Insurance Company (Summit affiliate)
Bridgefield Indemnity Insurance Company is a Florida-domiciled property and casualty insurance company, authorized in Alabama, Arkansas, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia, with its principal place of business at 117 North Massachusetts Ave., Lakeland, Florida 33801, NAIC number 16618.

BusinessFirst Insurance Company
BusinessFirst Insurance Company is a Florida-domiciled property and casualty insurance company, authorized in Florida, Georgia, Indiana, Kentucky, North Carolina, South Carolina, Tennessee and Virginia, with its principal place of business at 117 North Massachusetts Ave., Lakeland, Florida 33801, NAIC number 11697.

RetailFirst Insurance Company
RetailFirst Insurance Company is a Florida-domiciled property and casualty insurance company, authorized in Florida, with its principal place of business at 117 North Massachusetts Ave., Lakeland, Florida 33801, NAIC number 10700.

Retailers Casualty Insurance Company
Retailers Casualty Insurance Company is a Louisiana domiciled property and casualty insurance company, authorized in Alabama, Arkansas, Louisiana, Mississippi, Oklahoma and Texas, with its principal place of business at 10000 Perkins Rowe, Suite 620, Baton Rouge, Louisiana 70810, NAIC number 10781.

B. Heritage Summit HealthCare LLC (a Summit-owned subsidiary) is a Florida-domiciled limited liability company that provides managed care services for the above insurers.

C. All insurance policies, coverage and services referred to in this Website are subject to availability and qualifications. Not all companies are licensed in all jurisdictions. Not all policies, coverage and services are available in all jurisdictions. The materials available through this website do not constitute an offer of any product in any jurisdiction. Licensing information current as of May 1, 2025.

A. This website is the property of Summit/Restrictions.

1. This page sets forth the terms and conditions under which Summit provides the information on this website, as well as the terms and conditions governing your use of the website. By making use of this website, you agree to be bound by the terms and conditions that appear here. These terms and conditions are subject to updating at any time without notice. Changes to the terms and conditions take effect when posted to the website.

2. Except as otherwise expressly permitted in writing by Summit, no materials from this website or any website owned, operated, licensed or controlled by Summit may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Summit’s written permission. Summit neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Summit.

If at any time you do not accept the terms and conditions, do not access the website or any of its pages.

B. Copyright/Trademark/Service Mark. ©2025 Summit Consulting, LLC

1. All rights reserved. No part of the materials made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval. The service marks used within this website are the property of Summit, including but not limited to the Summit logo and the word marks “Summit” and “know the people who know workers’ comp” as well as the names of various insurance policies, coverage and services described within and offered by Summit. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of Summit or such third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, Summit. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

2. The following service marks are owned by Summit’s parent company, Great American Holding, Inc.:
Back2work
Back2work (stylized)
Bridgefield Casualty Insurance Company
Bridgefield Employers Insurance Company
Bridgefield Indemnity Insurance Company
COMPInsiders
[Experience.] The Summit Advantage (stylized)
Experience. The Summit Advantage.
Know the people who know workers’ comp
Mountain design
Points to Adventure
Summit & mountain design
Summit . . . know the people who know workers’ comp & mountain design
The Heritage News
The Summit Advantage
WriteNow

C. Jurisdiction. Use of this Web Site is governed by the laws of the state of Florida, USA other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Polk County, Florida, USA.

D. Enforceability. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof. Venue for any legal action arising out of this website shall be in Polk County, Florida, or the Federal District court, Middle District of Florida, Tampa Division.

E. Loss Prevention. Online programs and tools may not be available at all times. The information presented in this publication is intended to provide guidance and is not intended as a legal interpretation of any federal, state or local laws, rules or regulations applicable to your business. The loss prevention information provided is intended only to assist policyholders of Summit managed insurers in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Summit Consulting LLC does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of Summit Consulting LLC and its managed insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them.

F. Insurance Policy, Coverage & Services Availability.

1. The information and descriptions of insurance policies, coverage and services contained in this website are intended as general information and do not contain all of the terms, conditions, limits and exclusions applicable to the policies, coverage and services offered by Summit. Summit may make improvements and/or changes in the policies, coverage services and/or programs described on this website at any time without notice.

2. None of the information and descriptions contained in this website should be viewed as an offer to sell or as a solicitation to purchase any of Summit’s policies, coverage or services. Availability of the policies, coverage and services described varies by jurisdiction. This is not intended as a solicitation or offer to sell insurance policies, coverage and services in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.

3. The contents of this website, and the information and descriptions of the policies, coverage and services contained in this website do not constitute investment or financial advice, and should not be used as a substitute for professional advice, assessment and evaluation, or the basis for making any specific investment, business or commercial decision. You should at all times consult your professional advisers and obtain independent verification of such information and data before making any decision based thereon.

4. Nothing in this website and/or made available through the policies, coverage and services shall be considered or construed on the part of Summit as giving any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits, insurance or deposits in any jurisdiction.

5. This website does not amend, modify or supplement any insurance policy. Your eligibility for particular policies, coverage and services is subject to final determination of underwriting qualifications and acceptance by Summit.

6. This website does not make any representation that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limits and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this website. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. In the event of a discrepancy between the descriptions on the website and the insurance policy, the insurance policy shall control.

G. Disclaimer and Third Party Sites.

1. The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance policy, coverage or service offered by Summit, but are provided solely for general informational purposes. Summit also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

2. This website may contain links to other internet sites (“third-party sites”) that are not maintained by Summit. These links are provided solely for your convenience. Summit makes no warranties or representations about and disclaims any responsibility for the contents of any policies, coverage or services offered in such third-party sites. Any reference to a linked site or any specific policy, coverage or service by name does not constitute or imply its endorsement by Summit.

H. Warranties Disclaimers. The materials contained in this website and in linked sites directly or indirectly accessible from this website are provided without warranties of any kind, either express or implied, including but not limited to all implied warranties of merchantability or fitness for a particular purpose, title or non-infringement. Summit does not guarantee the accuracy, completeness, timeliness or availability of the content of this website or any portal or service promoted on this website.

I. Submissions. All information that you submit to Summit via this website shall be deemed, and remain, the property of Summit. To the extent any information submitted to Summit via this website includes any intellectual property; you hereby assign it to Summit. Summit shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this website provides through this website. Summit shall not be subject to any obligations regarding such information except as expressly indicated in any applicable Privacy Statement(s) contained within the website, agreed to by Summit having the direct customer relationship with the person providing the information, otherwise specifically agreed to in a separate writing, or if required by law. You further recognize that Summit does not want you to provide, and prohibits you from providing, any information or material to Summit that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity. Summit reserves the right to refuse to post material on the website or to remove material already posted on the website.

J. Indemnity. To the fullest extent permissible by applicable law, you agree to indemnify and hold Summit, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Summit by any third party due to or arising out of, or in connection with, your use of the website.

K. Termination. We may, in our sole discretion, terminate or suspend your access to all or part of this website and its contents for any reason, including, without limitation, your breach of these Terms and Conditions.

L. Privacy. You agree that we may collect, use and disclose any information that you provide in accordance with the terms of our Privacy Policy.

Compliance with Domestic and Foreign Financial Sanctions Laws

In accordance with rules established by the United States Department of the Treasury, Office of Foreign Assets Control (“OFAC”) and the United States Department of Commerce, Bureau of Industry and Security (“BIS”), we are prohibited from contracting with or providing insurance or other benefits to any individuals, entities, vessels and countries appearing on OFAC’s list of “Specially Designated Nationals and Blocked Persons, “BIS’ “Denied Persons List,” or otherwise identified in connection with other economic sanctions programs that OFAC and/or BIS are charged with enforcing. Various foreign governments also prohibit us from contracting with or providing financial benefit to individuals or entities appearing on blocked or denied persons lists published by such foreign governments.

Each quote for coverage from a Summit-managed program is based on the information you or your authorized representative has provided to date regarding named and additional insureds under the quoted policy or policies. In the event that we learn that individuals, entities, vessels or countries that have a direct or indirect interest in the quoted insurance coverage are subject to U.S. or foreign financial sanctions laws, or appear on any domestic or foreign list of persons with whom we are prohibited from doing business or conferring financial benefit, Summit reserves the right to withdraw any quote in its entirety.