Legal Notices

Last Updated: 11 March 2017

Licensing and Carrier Information; Producer Compensation Disclosure

Licensing Information

People who sell, solicit or negotiate insurance transactions are generally required to be licensed by every state in which they operate and are known as insurance producers. The list below summarizes our licensure status on a state-by-state basis.

All solicitations to apply for insurance and applications for insurance are made through Jetty Insurance Agency LLC via Luke Cohler, its Manager and Designated Responsible Licensed Producer, whose licensure status is also summarized below.

This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.

  • California
    • Agent: Property and Casualty (“P&C”) Producer, 0K94226
    • Business Entity: P&C Producer, 0L38063
  • Florida
    • Agent: P&C Agent, W323779
    • Business Entity: P&C Producer, L098594
  • Georgia
    • Agent: P&C Agent, 3076919
    • Business Entity: P&C Producer, 192253
  • Illinois
    • Agent: P&C Producer, 17884540
    • Business Entity: Producer, 100787570
  • Massachusetts
    • Agent: P&C Producer, 2002343
    • Business Entity: P&C Producer, 2016298
  • New Jersey
    • Agent: P&C Producer, 1610052
    • Business Entity: P&C Producer, 1627189
  • New York
    • Agent: P&C Agent, PC-1416583
    • Business Entity: P&C Agency, PC-1425560
  • Pennsylvania
    • Agent: P&C Producer, 774022
    • Business Entity: P&C Producer, 795642
  • Texas
    • Agent: P&C Agent, 2108989
    • Business Entity: P&C Managing General Agency, 2170721

Carrier Information

Your insurance policy may be underwritten by one of the following insurance companies of the State National Group, which all carry an A.M. Best rating of A (Excellent) or better:

  • State National Insurance Company, Inc. (NAIC No. 12831): Licensed in all states except FL
  • National Specialty Insurance Company (NAIC No. 22608): Licensed in FL

Producer Compensation Disclosure

Jetty Insurance Agency LLC receives compensation from insurance carriers based on the type and amount of insurance coverage sold and the amount of premium dollars paid.

At your request, we will provide further information about the compensation we expect to receive for your purchase of a specific insurance policy from us.

New York Notice of Protection for Victims of Domestic Violence

New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This Law prohibits an individual, insurer or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that has a person is or has been a victim of domestic violence serve as an underwriting criterion.

Procedure for Providing Us an Alternative Address

If you are covered by one of our policies and have an order of protection against a policyholder or other person covered by a Jetty policy, you may send us a copy of the order of protection and any alternative address, telephone number, or other method of contact that you would like us to use, to:

  1. Jetty Insurance Agency LLC
  2. ATTN: Legal
  3. 524 Broadway, 9th Floor
  4. New York, NY 10012

Additional Information

The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

Fraud Warning

General Notice

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

General Notice of Insurance Practices and Use of Consumer Reports

In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we may order one or more reports provided by independent consumer reporting agencies.

These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, a credit score or an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score.

All reports are kept strictly confidential. Neither Jetty nor any of Jetty’s staff have access to your scores, nor do we maintain them in any database — where they are used, they are accessed in Jetty’s electronic underwriting algorithm to determine a risk tier used in calculating your premium. The information we obtain will be used only for underwriting purposes. We may access future reports in connection with an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Inquiries related to insurance products (not Lease Guaranty or Security Deposit Bonds) will not affect your credit score, as they are considered a “soft hit”.

Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report. These consumer reporting agency scores do not take into account income, race, gender, religion, marital status, national origin or geographic location.

We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.

Specific Use of Credit and Consumer Information in Lease Guaranty and Security Deposit Bond

Lease Guaranty and Security Deposit products are Surety Bonds. They are supplemental guaranties that you are able to meet your obligations to the landlord or property owner of your leased unit and therefore have elements of a credit product based on your financial profile. For these reasons, additional information about your income, employment history, personal assets, and citizenship/visa status may be collected. The information we are collecting is necessary to verify information about you, and determine your eligibility and the correct premium to charge you for these products. 

Because Lease Guaranty and Security Deposit Bonds are a type of contingent credit, your financial profile and creditworthiness are the primary factors in determining eligibility. The inquiry used for these products is a standard credit inquiry (not an insurance score inquiry), and may affect your credit score. 

No information related to race, color, religion, national origin, actual or perceived gender (including gender identity), marital status, sexual orientation, disability, age, lawful occupation, presence of children, lawful source of income (including public assistance), or any other aspect of a protected Federal, state or locally protected class is used to determine eligibility or calculation of premiums.

Extraordinary Circumstances

If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, certain states permit you to request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

CONNECTICUT: catastrophic illness or injury; divorce; the death of a spouse, child or parent; the involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable;

DELAWARE: serious illness or injury; involuntary unemployment; divorce; identity theft; or involuntary interruption of alimony or support payments;

INDIANA: divorce; serious illness; job loss; or death of an immediate family member;

IOWA, KANSAS, KENTUCKY & NEW HAMPSHIRE: catastrophic event, as declared by the federal or any state government; serious illness or injury to you or an immediate family member; the death of your spouse, child or parent; divorce or involuntary interruption of legally-owed alimony or support payments; identity theft; temporary loss of employment for a period of three months or more, if it results from involuntary termination; or overseas military deployment; and

NEW MEXICO: an acute or chronic medical condition, illness, injury or disease; divorce; death of a spouse, child or parent; involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable.

If you believe any of these apply to you and have impacted your credit, you may request in writing that this be taken into consideration. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. The request must be made no more than 60 days from the date of the application for insurance or the policy renewal. Please submit your written request and all supporting documentation to Jetty Insurance Agency LLC, ATTN: Underwriting, 524 Broadway, 9th Floor, New York, NY 10012.

Insurance Credit Score

All states (excluding California and Maryland) We obtain information from Trans Union Corporation to determine your insurance credit score. This inquiry will not affect your credit score. Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but Trans Union cannot comment on your insurance application.

  1. Trans Union Corporation
  2. Consumer Relations – East
  3. 2 Baldwin Place
  4. P.O. Box 1000
  5. Chester, PA 19022
  6. 1-800-916-8800

Standard Credit Score — For Lease Guaranty and Security Deposit Bonds We obtain your credit score from Trans Union Corporation. This inquiry may affect your credit score. Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but Trans Union cannot comment on your Lease Guaranty or Security Deposit Bond application.

  1. Trans Union Corporation
  2. Consumer Relations – East
  3. 2 Baldwin Place
  4. P.O. Box 1000
  5. Chester, PA 19022
  6. 1-800-916-8800

Prior Claims History

We may obtain information from Verisk Analytics' A-PLUS database to determine your prior claims history. This inquiry will not affect your claims history. Verisk Analytics can provide a free copy of your A-PLUS claims history report, and if you believe that report is inaccurate, they can respond to disputed items, but Verisk Analytics cannot comment on your insurance application.

  1. Consumer Inquiry Center
  2. Verisk Analytics
  3. 545 Washington Blvd 18 FL
  4. Jersey City, NJ 07310
  5. 1-800-709-8842

Other Applicable Laws

Fair Housing Act

The Fair Housing Act prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status, and disability.

Americans with Disabilities Act

The Americans with Disabilities Act prohibits discrimination and ensures equal opportunity for persons with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation.

Equal Credit Opportunity Act

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

State and Local Laws

State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by Federal law.

Consent to Electronic Communications and Signatures

Under the terms of The Electronic Signatures in Global and National Commerce Act of 2000, you are providing consent to electronic transactions, including providing you with insurance policy documents electronically by submission of an application and payment of premium. You will receive all of your insurance policy documents from us electronically, as permitted by law. Insurance policy documents in electronic format will have the same contractual force and effect as insurance policy documents in paper format.

At any time, you may access insurance policy documents electronically. In order to access documents electronically, you must have: (i) a computer or smart device capable of connecting to the internet; (ii) internet service; (iii) a browser capable of viewing our website or the Jetty app; (iv) an e-mail service account that allows you to read, write, and send e-mail; and (v) the ability to use hyperlinks to access other websites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain insurance policy documents in Adobe Portable Display Format. Once you purchase your policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view insurance policy documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive insurance policy documents electronically.

To access your online account, go to www.jetty.com and log in to your account with the e-mail address and password you provided when you created or updated your account. Your insurance policy documents will be accessible through your online account. To print any of your insurance policy documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your insurance policy documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.

You may withdraw your consent to electronic transactions and communications at any time and begin receiving insurance policy documents in paper format. In addition, you may request paper copies of your electronic insurance policy documents at any time. Before you withdraw your consent to electronic transactions, including receiving insurance policy documents electronically, please be aware that, you can easily download, print, or email your insurance documents from the Jetty “My Account” website. If you elect to receive paper copies of insurance policy documents, you may, at any time in the future, request and consent to electronic transactions, including receiving insurance policy documents electronically. To withdraw your consent, please contact us at help@jetty.com with the following subject line: WITHDRAW ELECTRONIC CONSENT.

The body of your e-mail must contain your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form.

Jetty reserves the right to charge you a fee as permitted by law of $10.00 for paper transmission of your insurance policy, any installment paper invoice and any policy endorsement or communication, if requested by you.