Website Terms of Use

Please read these terms of use carefully before using Foremost websites.

These terms of use ("Legal Terms") describe the terms and conditions applicable to your access and use of the Foremost Insurance Group or Foremost® ("Foremost" or the "Foremost companies") websites (the "websites"). By using Foremost websites, you are accepting and agreeing to these Legal Terms. If you do not agree to all of these Legal Terms, do not use these websites.

Foremost may modify these websites and the rules and regulations governing their access and use, at any time. Any modification will be included in these Legal Terms, so please check back when you use these websites. By continuing use of these websites after such changes are posted, you will be deemed to have accepted such changes.

Scope of Use

Foremost invites you to view, use and download materials at Foremost websites for your informational, non-commercial use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit, distribute, repost, publicly display or otherwise use any content on these websites, or the design or layout of the websites or individual sections of it, in any form or media except with the express prior written permission of Foremost. The commercial use, reproduction, reposting, public display, transmission or distribution of any information, software, logo or other material available through the websites without the prior written consent of Foremost is strictly prohibited.

You understand that Foremost may, at any time, for any reason and without notice, discontinue, change or restrict your use of Foremost websites and make changes in the products and/or services described in these websites.

Eligibility for Insurance Products and Services

Not all of the products, features or services described on Foremost websites are available in all geographic areas of the United States. You may not be eligible for all of the insurance products, features or services described in these websites. Foremost reserves the right to determine all eligibility for such products, features or services in its sole discretion.

No Professional Advice

The information available on Foremost websites is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on Foremost websites in consultation with your insurance specialist.

No Warranties

Foremost websites, any content, opinions or advice on the websites, and any products or services available through the websites (collectively, "Materials") are provided to you on an "as is," "as available" basis without warranty of any kind either express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement. These Materials include online calculators available through the websites. The member companies of the Foremost Insurance Group do not endorse and make no warranty as to the accuracy, completeness, currency, or reliability of the Materials. Foremost makes no representations or warranties that use of the Materials will be uninterrupted or error-free. You are responsible for taking all necessary precautions to ensure that any Materials you may obtain are free of viruses or any other harmful components. This warranty disclaimer may be different in connection with specific products and services offered by Foremost. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for the governing terms. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.

Limitation of Liability

Your use of the Materials is at your own risk. Foremost specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on the Materials (even if Foremost or a Foremost representative has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to Foremost websites or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to these websites or the Materials. This limitation of liability may be different in connection with specific products and services offered by Foremost. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.


“Foremost®,” “Foremost Insurance Group,” “the “interlocking F” logo, "Farmers®," "Farmers Insurance Group®," "Farmers Insurance Group of Companies®," the "sunburst logo" "Farmers Insurance Group, Symbol of Superior Service®," "Farmers. Gets You Back Where You Belong®", and HelpPoint®, are the principal service marks used by Foremost and Farmers. Foremost and Farmers also claim service mark, or trademark rights, in a number of related marks as noted in Foremost websites by the use of the symbols "®," "SM," or "TM." Nothing contained on these websites should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on these websites without the prior written permission of Foremost or Farmers. Unauthorized use of any Foremost or Farmers trademarks, service marks or logos is strictly prohibited and may be a violation of federal and state trademark laws.


Foremost websites are protected by U.S. and foreign copyright laws. Except as expressly provided under "Scope of Use" section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform these websites without Foremost’s prior written permission.

Visitor Submissions

By providing information or materials to Foremost websites (other than personal information subject to Foremost Privacy Policy), you grant to Foremost an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through these websites that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Foremost shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in Foremost Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.


Foremost offers links to other websites operated by other entities as a convenience to you. Foremost makes no representation regarding the content or accuracy of any website that you may access through a Foremost website. Foremost does not monitor and is not responsible for the content found on other websites that are linked from Foremost websites. Inclusion of these links on Foremost’s websites does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Foremost.

Unless otherwise set forth in a written agreement between you and a Foremost® company, you must adhere to Foremost’s linking policy as follows: (i) any link to a Foremost website must be a link clearly marked with the domain identity, (ii) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Foremost’s names and trademarks, (iii) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Foremost, (iv) when selected by a user, the link must display the website on full-screen and not within a "frame" on the linking website, and (v) Foremost reserves the right to revoke its consent to the link at any time and in its sole discretion.

Employment Opportunities

Foremost is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law. Foremost encourages all qualified applicants to apply.


E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.


You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Foremost of any unauthorized use of your password or user name or any other breach of security. Foremost will not be liable for any loss that you may incur as a result of someone else using your password or user name, either with or without your knowledge. However, you could be held liable for losses incurred by Foremost or another party due to someone else using your user name or password.

Violations and Additional Policies

Foremost reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in Foremost websites, including the right to block access from a particular Internet address to these websites. Our policies regarding privacy are incorporated into these Legal Terms by reference. Foremost does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through these websites.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of Michigan USA, without reference to its choice of law rules. Foremost websites are operated by Foremost Insurance Group, on behalf of the Foremost® companies from its offices in Caledonia, Michigan. Foremost makes no representation that the content of these websites is appropriate or available for use in other locations, and access to these websites from territories where the content of these websites may be illegal is prohibited. Those who choose to access these websites from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These Legal Terms and all documents incorporated herein by reference constitute the entire agreement between Foremost and you with respect to these websites.


Any controversy or claim arising out of or relating to these Legal Terms or Foremost websites shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Grand Rapids, Michigan, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.

The insurance products and services are offered by the Foremost Insurance Group insuring entities, located at 5600 Beech Tree Lane, Caledonia, Michigan and at offices throughout the United States.

Legal Statement