Manage your
business,
not your devices
Verizon Business
Complete
See inside for full details on Verizon Business Complete.
New York (NY) customers please refer to the Verizon
Business Complete for NY brochure.
Summary of Key
Terms and Conditions
for Wireless Phone Protection
for Verizon Business Complete
Verizon Business Complete consists of 1) Wireless Phone
Protection for Verizon Business Complete and 2) Verizon
Business Core Mobile Bundle*
Wireless Phone Protection
for Verizon Business Complete1
Coverage
Insurance: Loss, theft and damage
Monthly Charge
2
Preferred: $6.90
Standard: $6.90
Essentials - Tablet: $4.50
Replacement
Deductibles
Loss and theft:
$79/$189/$229/$279
(depending on device)
Damage:
$49/$99
(depending on device)
Cracked Screen
Repair
Deductible
$0 (available for select smartphones and
subject to parts availability)
Claim Limit
(max claim amount)
$3,000 per claim
Max Number
of Claims
2 in 12 months
(excluding cracked screen repairs,
which are unlimited)
Cancellation
Policy
Wireless Phone Protection for Verizon
Business Complete continues to renew
each month until canceled
, and is billed
directly to your wireless account. You can
cancel your coverage at any time and
receive a prorated refund of your monthly
charge. We may cancel your coverage or
change terms by giving you prior written
notice as required by law.
Replacement
Devices
Claims may be fulfilled with new or
refurbished devices and may be the same
model or another model of like kind and
quality. Replacement devices may contain
original or non-original replacement
parts. Colors, features and accessory
compatibility are not guaranteed.
Arbitration
The Terms and Conditions contain binding
Arbitration Agreements. See Important
Information panel for more details.
* Verizon Business Core Mobile Bundle includes your device as a service, data plan,
and 24/7 live tech support, plus talk and text for smartphones only.
All applicable taxes and fees extra.
1
Lost, stolen or damaged device replacements are provided by Wireless Phone
Protection for Verizon Business Complete, which is insurance coverage underwritten
in Georgia by LM General Insurance Company (Boston, MA), in Indiana by Indiana
Insurance Company (Boston, MA), in Louisiana by Liberty Personal Insurance
Company (Boston, MA), in New Jersey by Liberty Mutual Mid-Atlantic Insurance
Company (Boston, MA), and in all other states by Liberty Insurance Underwriters
Inc. (Boston, MA) or one of its insurance company affiliates. Asurion Insurance
Services, Inc. (in California, Agent License #0B35141; in Iowa, Agent License
#1001000131), is the Agent and provides the claims servicing under this program.
2
If you purchase Wireless Phone Protection for Verizon Business Complete, the
monthly insurance premium may include fees payable to Verizon and/or Asurion.
Deductible amounts
The deductible schedule may be changed
from time to time, as some devices may
be moved to a different tier during the
term of enrollment.
Deductibles for select devices:
Verizon Business Complete Preferred
$229
Apple
®
iPhone
®
17,
Samsung Galaxy S26
$189/$279
No devices at this time
Verizon Business Complete Standard
$189
Apple
®
iPhone
®
15,
Apple
®
iPhone
®
17e,
Samsung XCover7 Pro
$229
Samsung Galaxy S25
$279
No devices at this time
Verizon Business Complete Essentials - Tablet
$79
Samsung A11+
Damage Replacement Deductible
$49
Essentials - Tablet
$99
Standard
$99
Preferred
Applicable to all damage ineligible for cracked screen repair.
Cracked Screen Repair Deductible
$0
NOTE: Repair is available on select
smartphones, subject to parts
availability. To check availability,
go to phoneclaim.com/verizon.
Please visit https://www.asurion.com/
verizon/business-complete/ for a full list of
current devices.
For more information regarding which Verizon
Business Complete plan is right for you, please
visit
www.verizon.com/business/products/
mobile/plans/business-complete
.
All deductibles are non-refundable, and per approved claim.
If you don’t see your device, go to phoneclaim.com/verizon or call 1-888-655-7443.
The Asurion
®
and Verizon
®
trademarks and logos are the property of Asurion, LLC and
Verizon Trademark Services, LLC, respectively. All rights reserved. Apple and iPhone are
trademarks of Apple Inc. All other trademarks, service marks and product brands that
appear herein are the property of their respective owners. Asurion, LLC and Verizon
Trademark Services, LLC are not affiliated with, or sponsored or endorsed by, any of the
respective owners of the other trademarks appearing herein.
2
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Information and Limitations
BINDING ARBITRATION: WHILE WE TRY TO RESOLVE
DISPUTES, THE INSURANCE POLICY AND TERMS OF
SERVICE CONTAIN MANDATORY BINDING ARBITRATION
PROVISIONS THAT REQUIRE THE SUBMISSION OF
ALL DISPUTES (EXCEPT WHERE EXPRESS STATE
EXEMPTIONS ARE PROVIDED) TO ARBITRATION IN
ACCORDANCE WITH THE PROVISIONS SET FORTH
IN SECTION G.1. OF THE POLICY AND THE FIRST
PARAGRAPH OF THE TERMS OF SERVICE.
THE ARBITRATION AGREEMENTS DO NOT PREVENT YOU
FROM INFORMING FEDERAL, STATE OR LOCAL AGENCIES
OF ANY DISPUTE. IF YOU DO NOT AGREE TO SUBMIT
DISPUTES TO BINDING AND INDIVIDUAL ARBITRATION,
OR YOU DO NOT AGREE TO ANY OTHER PROVISION OF
THE ARBITRATION AGREEMENTS, YOU SHOULD NOT
ENROLL IN DEVICE PROTECTION PRODUCTS.
Replacement Devices:
For approved claims, a repair
or replacement device will be provided at our discretion.
It is our goal to provide you with a replacement device
that is the same color and has the same features, but
this cannot be guaranteed. If the same make and model
you claim is not available, a similar make and model will
be substituted. Your replacement device could be new
or refurbished and may contain original or non-original
replacement parts. You may also receive standard
accessories with lost or stolen claims.
Covered Accessories:
The following accessories
are covered at the time of loss: one standard battery
(attached to the wireless device at the time of loss) and
one standard home charger.
Optional Insurance Coverage:
Verizon Business
Complete includes insurance coverage; however, you do
not need to purchase insurance coverage in order to be
provided your Verizon device as a service and activate
your Verizon service.
Duplication of Coverage:
You may already have
coverage under your homeowners insurance or other
means. This insurance coverage is primary over any
other insurance you may have.
Sales Representative Qualifications:
Unless
otherwise licensed, Verizon sales representatives are
not qualified or authorized to evaluate the adequacy of
your existing insurance coverages.
Electronic Communications:
Asurion may send you
program communications, including legal notices and
terms and conditions, electronically using the last
email address on file with Verizon, the mobile number
identified in the Verizon system as the account owner
and/or any other email address or mobile number you
provide to Asurion, unless prohibited by state law. If
electronic delivery is not possible, this information will
be mailed to you. Legal notices will not be sent to New
York customers electronically.
Covered Property:
Your coverage applies to the device
associated with an active service agreement, when you
enroll that device in Verizon Business Complete.
Insurance Exclusions and Limitations:
Coverage
contains limitations and exclusions including: loss or
damage caused by governmental authority; nuclear
hazard; war; delay or loss of use; electrical and
mechanical breakdown; dishonest or criminal acts;
obsolescence; recall or design defect; cosmetic
damage; covered under warranty; late claims;
programming; repair work; virus; voluntary parting;
intentional loss or damage; pollution; fees or charges;
failure to mitigate; and vermin. See terms and
conditions for full list of exclusions and limitations.
Non-Return Fee:
If you receive a replacement device,
your original device must be returned to us (unless
it has been lost or stolen) using the prepaid shipping
label provided with your replacement device. Under the
insurance program, a Non-Return Fee of up to $300 based
on the cost of the claim to Liberty Insurance Underwriters
Inc. (or its affiliates) may be charged for your failure to
return your original device.
For Residents of Arkansas, California, Maryland,
Illinois, and Indiana:
Most of your concerns about this
Certificate can be addressed simply by contacting Asurion
at 1.888.655.7443. You may also call the Arkansas
Insurance Department to request a complaint form at
(800) 852-5494 or (501) 374-2640 or write the Arkansas
Insurance Department at 1 Commerce Way, Suite 102
Little Rock, AR 72202. The consumer hotline for the
California Department of Insurance is 800.927.HELP
(4357), and the Maryland Insurance Administration is
800.492.6116. The Illinois Department of Insurance can
be contacted to file a consumer complaint online at the
Illinois Department of Insurance’s website or by mail. The
Department maintains a Consumer Division in Chicago
at 320 W. Washington Street, Chicago, IL 60603 and in
Springfield at 520 E. Main Street, Springfield, IL 62706.
4
5
In Indiana, if you need (a) the assistance of the governmental
agency that regulates insurance; or (b) have a complaint you
have been unable to resolve with your insurer you may contact
the Department of Insurance by mail, telephone or email: State
of Indiana Department of Insurance Consumer Services Division,
311 West Washington Street Suite 300, Indianapolis, Indiana,
46204; consumer hotline: (800) 622-4461 or (317) 232-2395;
complaints can be filed electronically at: www.in.gov/idoi.
For Washington Residents Only:
We may change the insurance
terms and conditions with at least 30 days’ notice and we may
only cancel for the following reasons and notice: (i) 15 days
for fraud or material misrepresentation in obtaining coverage
or the presentation of a claim; (ii) 10 days for nonpayment; (iii)
immediately for no longer having active service with Verizon or
exhausting your aggregate claim limit; or (iv) 30 days based on a
determination by Verizon or the Agent that the program should no
longer be offered. We will not increase the premium or deductible
or restrict coverage more than once in any 6 month period but
will provide to each Washington policy holder a 30-day advance
written notice of any premium or deductible increase.
To view the Wireless Phone Protection for
Verizon Business Complete Terms and
Conditions
, you may do one of the following
before you enroll:
1.
Scan QR code
2. View and download online at
asurion.com/legal/verizon
3. View the terms immediately
following this brochure
We will also provide you with the Terms and
Conditions after enrollment.
There’s a smarter way to
manage your business devices
Verizon Business Complete is a comprehensive
mobile device service that provides your
business with a device as a service, and an
unlimited wireless plan for smartphones and
tablets.* Plus, enjoy 24/7 live technical support,
and coverage for loss, theft, and damage – all
for one low monthly price.
Verizon Business Complete helps free up
valuable business resources by providing direct
employee support for smartphone and tablet
management, and technical support issues.
Your business stays in control with included
Mobile Device Management to set and manage
security policies and application deployments
to your device fleet.
*
For Smartphones:
Unlimited 4G LTE, 5G & 5G Ultra Wideband (UW) data; in times of
congestion, your 4G LTE & 5G smartphone & mobile hotspot data may be temporarily
slower than other traffic after 50 GB/line/mo. After 25 GB/line/mo high-speed mobile
hotspot data, mobile hotspot data reduced to speeds up to 600 Kbps (4G LTE & 5G)
and 3 Mbps (5G UW) for the rest of the month. Domestic data roaming at 2G speeds.
Unlimited talk & text also available in Canada & Mexico along with 2 GB of high speed
data per 24 hours with unlimited data at 3G speeds thereafter. If more than 50% of
your total talk, text or data usage in a 60-day period is in Canada or Mexico, use of
those services in those countries may be removed or limited. Call Filter & Mobile Device
Management activation required.
For Tablets:
5GB of 5G Ultra-Wideband (UW) and
Unlimited 5G, 4G-LTE. In times of congestion, your 5G/4G LTE device data may be
temporarily slower than other traffic after 5GB line/month. 5G access requires a 5G
capable device. Mobile hotspot is unavailable. Video streaming at 720p. In Canada
and Mexico you get 2GB of high speed data per 24 hours with unlimited data at 3G
speeds thereafter. If more than 50% of your total data usage in a 60-day period is in
Canada or Mexico, use of those services in those countries may be removed or limited.
Domestic data roaming at 2G speeds. Not available for machine to machine services.
Additional terms apply.
6
7
Choose from 3 flexible plans
Verizon Business Complete Preferred $65/mo.
†
3
Includes $15 savings. Limited-time offer.
∆
Select smartphones
Verizon Business Complete Standard $50/mo.
†
4
Includes $15 savings. Limited-time offer.
∆
Select smartphones
Verizon Business Complete Essentials –
Tablet $25/mo.
†
5
Select tablets
For more information regarding which plan is right
for you, please visit
www.verizon.com/business/
products/mobile/plans/business-complete.
All applicable taxes and fees extra. Auto pay and military discounts do not apply.
†
Customers have the option to enroll in Verizon Business Core Mobile Bundle for their
device as a service and tech support. Verizon Business Core Mobile Bundle does not
include Wireless Phone Protection for Verizon Business Complete (insurance coverage).
∆
Existing Verizon lines are eligible for this offer. For each qualifying smartphone, customer
will receive a $15 monthly credit which will continue for as long as Verizon provides &
customer maintains Verizon Business Complete or Verizon Business Core Mobile Bundle
at qualifying levels. The insurance monthly fee will not be discounted. Offer excludes
Verizon Business Complete Essentials -Tablet or Verizon Business Core Mobile Bundle
- Tablet. Taxes, Fees, Economic Adjustment Charge & Terms apply. Limited-time offer.
3
Verizon Business Core Mobile Bundle Preferred is $73.10 plus applicable taxes and
fees per month. For further information on Wireless Phone Protection for Verizon
Business Complete, please see the Summary of key terms and conditions panel.
4
Verizon Business Core Mobile Bundle Standard is $58.10 plus applicable taxes and fees
per month. For further information on Wireless Phone Protection for Verizon Business
Complete, please see the Summary of key terms and conditions panel.
5
Verizon Business Core Mobile Bundle Essentials - Tablet is $19.50 plus applicable taxes
and fees per month. For further information on Wireless Phone Protection for Verizon
Business Complete, please see the Summary of key terms and conditions panel.
Notice of potential
change fees
In addition to the monthly price, there is
a one-time $75 fee for a device upgrade
within 24 months of enrolling a new device.
This fee does not apply to upgrades
after 24 months. Customers canceling
Verizon Business Complete or Verizon
Business Core Mobile Bundle are subject
to a $75 change fee per device upon
termination of service agreement.
Protection, support and more
Verizon Business Complete provides coverage
for loss, theft, and damage (including liquid).
Same-day delivery, activation and setup
Get your replacement smartphone the
same day.6
Unlimited number of cracked screen
repair claims
Get your screen fixed as soon as the
same day for no additional cost.
7
The above benefits are available for select smartphones,
subject to inventory/parts availability.
Verizon Business Complete also provides device
assistance and support.
Unlimited laptop health checkups
Keep laptops in shape with tune-ups,
diagnostics to identify issues, and help
removing viruses at a convenient
repair location near you.
8
Unlimited device refresh
Promote longer device life with deep
cleanings and unlimited diagnostics
designed to help you improve speed,
performance and battery life.
9
6
Available for approved Wireless Phone Protection for Verizon Business Complete
insurance claims for replacement of select smartphones in select locations and is
subject to claim approval time, inventory and technician availability and other criteria,
which are subject to change at any time. The Same Day Delivery and Setup benefit is
provided by Verizon Business Core Mobile Bundle.
7
Select smartphones that only have a cracked front screen are eligible for cracked screen
repair (smartphones with damage to the back glass or other damaged components beyond
front glass are not eligible for cracked screen repair). Subject to parts and technician
availability, which are subject to change at any time. Visit phoneclaim.com/verizon to check
current device eligibility. Repairs are performed by an Asurion-certified technician and
come with a 12-month limited warranty. Repairs may use new or refurbished parts, and
may contain original or non-original manufacturer parts, and may void the manufacturer
warranty. Repair options may include in-store repair, mail-in repair or at-home repair. This
benefit is provided by Wireless Phone Protection for Verizon Business Complete.
8
Available in select locations and for select laptops, which are subject to change at any
time. Laptop health checkups are limited to diagnostic exams only, and do not include
troubleshooting, triage, repair or replacement services. Anti-virus software installation,
scanning and virus removal (if applicable) will also be provided. This benefit is provided
by Verizon Business Core Mobile Bundle.
9
Device sanitization is only available in select locations, which are subject to change
at any time. Availability of device sanitization is for most smartphones and is contingent
on certain criteria, technician availability. Device performance checks are a web-based
service. These services are diagnostic only and do not include troubleshooting, triage,
repair or replacement services. These benefits are provided by Verizon Business
Core Mobile Bundle.
8
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Wireless Communications
Equipment Coverage Insurance
Policy By: in Georgia, LM
General Insurance Company,
in Indiana, Indiana Insurance
Company, in Louisiana,
Liberty Personal Insurance
Company, in New Jersey,
Liberty Mutual Mid-Atlantic
Insurance Company, and in all
other states, Liberty Insurance
Underwriters Inc., or one of its
insurance company affiliates.
10
11
WIRELESS COMMUNICATIONS EQUIPMENT
COVERAGE INSURANCE POLICY
Various provisions in the policy restrict coverage. Read the
entire policy carefully to determine rights, duties and what
is and is not covered.
The words “we,” “us” and “our” refer to the insurer in
Georgia, LM General Insurance Company; in Indiana,
Indiana Insurance Company; in Louisiana, Liberty Personal
Insurance Company; in New Jersey, Liberty Mutual
Mid-Atlantic Insurance Company; and in all other states,
Liberty Insurance Underwriters Inc., or one of its insurance
company affiliates that is providing this insurance.
The terms “you” and “your” mean, as the context requires,
the First Named Insured or any Additional Insured or both.
The word “Agent” refers to Asurion Insurance Services, Inc.
The term “Authorized Service Center” means the service center
providing repair and replacement services on our behalf.
The term “Wireless Service Provider” means Verizon Wireless,
who is the First Named Insured, providing the Covered Property.
A. COVERAGE
In exchange for premium paid when due, we agree to provide
the coverage as stated in the policy on a month to month
basis, provided that any covered damage or loss to the
Covered Property is sustained while your coverage is in effect.
1.
Who Is Covered
a.
First Named Insured
The First Named Insured is Verizon Wireless for
its interest in Covered Property.
b.
Additional Insureds
The First Named Insured has the right to request
Additional Insured status for a customer for his
or her interest in the Covered Property which he,
she or it owns (references herein to “Insured”
refer collectively to “First Named Insured” and
“Additional Insured”). Requests for coverage for
Additional Insureds are subject to our approval.
2.
Covered Property
Covered Property means only the mobile wireless
communications equipment as follows:
Covered Property means the wireless device owned
by the First Named Insured or an affiliate of the First
Named Insured and used as a service by the Additional
Insured under an active service agreement for which:
1) the unique identification number (International
Mobile Equipment Identity (IMEI), Electronic Serial
Number (ESN), or Mobile Equipment ID (MEID) of
such wireless device is reflected in the records of the
Wireless Service Provider at the time coverage initially
became effective; and 2) outgoing airtime usage has
been logged with the Wireless Service Provider after
coverage became effective. The Additional Insured’s
interest in the Covered Property that is under an active
service agreement between the Additional Insured and
the First Named Insured is not excluded under Section
6.h below for so long as such device remains Covered
Property, but all other leased, held or rented property
continues to be excluded from coverage under this
Policy pursuant to Section 6.h below.
Covered Property includes certain accessories
used with the Covered Property at the time of loss,
specifically: one (1) standard battery (attached to the
wireless device at time of loss) and one (1) standard
home charger.
3.
Coverage Period
Coverage is provided for the policy period shown in
the Declarations subject to Section G.4.b.
4.
Coverage Territory
We insure the Covered Property wherever it is located
in the world.
We may require any claims occurring outside the
United States or its territories to be processed in the
United States.
5.
Covered Causes of Loss
Covered Causes of Loss means risks of being lost,
stolen or directly damaged, except as limited or
excluded elsewhere in the policy.
6.
Property Not Covered
Covered Property does not include:
a.
Contraband or property in the course of illegal
transportation or trade.
b.
Data, meaning information input to, stored on, or
processed by the Covered Property. This includes
documents, databases, messages, licenses, contact
information, passwords, books, games, magazines,
photos, videos, ringtones, music, and maps.
12
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EQUIPMENT COVERAGE INSURANCE
EQUIPMENT COVERAGE INSURANCE
c.
Proprietary electronic devices included with
automobile systems and any motor vehicle or
watercraft original or after-market equipment
or accessories, whether or not permanently
installed, including any antenna or wiring.
d.
Property that has been entrusted to (including
property in-transit) others for any service, repair
or replacement, other than the Authorized Service
Center or its designee.
e.
Nonstandard Software, meaning software other
than Standard Software. “Standard Software”
means the operating system pre-loaded on or
included as standard with the Covered Property
from the manufacturer.
f.
Wireless Equipment whose unique identification
number (including serial number, ESN, MEID,
IMEI or similar unique identification number) has
been altered, defaced or removed.
g.
Nonstandard External Media, meaning physical
objects on which data can be stored but which
are not integrated components of the Covered
Property required for it to function. This includes
data cards, memory cards, external hard drives,
and flash drives. Nonstandard External Media
does not include Standard External Media.
“Standard External Media” means physical
objects on which data can be stored and that
came standard in the original packaging with
the Covered Property from the manufacturer
but which are not integrated components of the
Covered Property required for it to function.
h.
Any property you lease, rent or hold for others.
i.
Any other equipment or accessories not
described as Covered Property.
j.
Batteries (unless otherwise covered as a
covered accessory when part of a loss to other
Covered Property).
B. EXCLUSIONS
This insurance does not apply to loss or damage
identified in any of the following or directly or indirectly
caused by or resulting from any of the following:
1.
Governmental Authority
Seizure or destruction of property by order of
governmental authority.
2.
Nuclear Hazard
Nuclear reaction or radiation, or radioactive contamination,
however caused. If physical loss or damage by fire
ensues, we will pay only for such ensuing loss or damage.
3.
War
(a) War, including undeclared or civil war;
(b) Warlike action by a military force; or
(c) Insurrection, rebellion, revolution, usurped power
or action taken by governmental authority in
hindering or defending against any of these.
Such loss or damage is excluded regardless of any
other cause or event that contributes concurrently or
in any sequence to the loss or damage.
4.
Delay, Loss of Use
Indirect or consequential loss or damage, including
loss of use, interruption of business, loss of
service, loss of market, loss of time, loss of profits,
inconvenience or delay in repairing or replacing lost
or damaged Covered Property.
5.
Electrical and Mechanical Breakdown
Failure of Covered Property to operate due to a faulty
part or workmanship or normal wear and tear when
operated according to the manufacturer’s instructions.
6.
Dishonest or Criminal Acts
Dishonest, fraudulent or criminal acts by you, any
authorized user of the Covered Property, anyone you
entrust with the Covered Property, or anyone else with
an interest in the Covered Property for any purpose,
whether acting alone or in collusion with others.
7.
Obsolescence
Obsolescence or depreciation.
8.
Recall or Design Defect
(a) Manufacturer’s recall; or
(b) Error or omission in design, programming or
system configuration.
9.
Cosmetic Damage
Cosmetic damage, however caused, that does not
affect the manufacturer’s intended use. This includes:
(a) Cracking, marring, or scratching.
(b) Change in color or other change
in the exterior finish.
(c) Expansion or contraction.
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EQUIPMENT COVERAGE INSURANCE
EQUIPMENT COVERAGE INSURANCE
10. Covered Under Warranty
Loss or damage that is covered under the
manufacturer’s warranty. In the event we have
knowledge of a prior malfunction, proof of repair may be
required before coverage for future claims is applicable.
11. Late Claims
Claims not reported as required by Section E.3.
of the policy.
12. Programming, Repair Work
Programming, cleaning, adjusting, repairing,
modifying, installing, servicing, maintaining, or
performing any other work upon Covered Property.
13. Virus
Computer virus or any other malicious code or similar
instruction that:
(a) Disrupts the normal operation of the Covered
Property; or
(b) Results in destruction of or unsuitability of data or
programs stored in the Covered Property.
14. Voluntary Parting
Voluntarily parting with Covered Property by an
Insured or by any person entrusted with Covered
Property, whether or not induced to do so by any
fraudulent scheme, trick, device or false pretense.
15. Intentional Loss or Damage
Abuse, intentional acts, or use of the Covered Property
in a manner inconsistent with the use for which it was
designed, intended, or advised by the manufacturer or
that would void the manufacturer’s warranty.
16. Pollution
The discharge, dispersal, seepage, migration or
escape of pollutants. Pollutants means any solid,
liquid, gaseous, or thermal irritant or contaminant
including smoke, vapor, soot, fumes, acid, alkalis,
chemicals, artificially produced electric fields,
magnetic field, electromagnetic field, sound waves,
microwaves, and all artificially produced ionizing or
non-ionizing radiation and/or waste. Waste includes
materials to be recycled, reconditioned or reclaimed.
17. Fees or Charges
Any fees or charges assessed by Verizon
Wireless, whether the charges incurred are
legitimate or fraudulent.
18. Failure to Mitigate
Failure to do what is reasonably necessary to
minimize the loss and to protect the Covered Property
from any further loss.
19. Vermin
Insects, rodents, or other vermin.
C. LIMITS OF INSURANCE
The most we will spend in any one occurrence to repair
or replace Covered Property is $3,000. This Limit of
Insurance applies separately to each claim.
Each Additional Insured is limited to two (2) losses for lost,
stolen or directly damaged, and unlimited cracked screen
losses in any consecutive 12 month time period, including
losses incurred during any prior consecutive policy period.
When this limit is exhausted, coverage will cease immediately
and we will notify the Additional Insured that his or her
coverage has ceased and no future premiums are due.
D. DEDUCTIBLE
The Deductible is either $0, $49, $79, $99, $189, $229,
or $279, depending on whether the Covered Property is
found in Schedule A, B, C, D, E, F, or G and is non-refundable
and is payable at the time a loss is approved by the Agent.
This Deductible will apply to each filed and approved covered
claim, and does not reduce the Limit of Insurance. Only an
Additional Insured may pay the Deductible.
E. INSURED’S DUTIES IN EVENT OF LOSS TO
INSURED’S COVERED PROPERTY
In the event of loss or damage to Covered Property,
the Insured presenting the claim must cooperate with us
and see that the following are done:
1.
Suspend Wireless Service
Suspend your wireless communication service,
if applicable, as soon as possible if the Covered
Property is lost or stolen.
2.
Notify Police
If a claim involves a violation of law or any loss of
possession, notify the police and obtain a police
report or case number, the police station phone
number, and the officer’s name and badge number
taking the report. If requested, provide a copy of
the police report to Asurion Insurance Services, Inc.
within 30 days of request.
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EQUIPMENT COVERAGE INSURANCE
EQUIPMENT COVERAGE INSURANCE
3.
Notify Agent, Give Description
Notify Asurion Insurance Services, Inc. within
90 days of the time of loss.
Give a complete description of:
a.
The Covered Property, including make and
model, wireless number, if applicable, and
unique identification number (such as serial
number, ESN, MEID, IMEI or similar unique
identification number); and
b.
How, when and where the loss or damage occurred.
4.
Protect
Take all reasonable steps to protect the Covered
Property from further damage.
5.
Permit Inspection
Permit us or our Agent to inspect the damaged
property. If we request to evaluate your equipment
failure prior to completion of your claim, we may
require you to take the Covered Property to a specified
location in your area, or send it to the Agent or
Authorized Service Center at our expense.
6.
Statement Under Oath
If requested by us or our Agent, submit to questioning
under oath about a claim or other matter relating to
the policy. In such event, the answers must be signed
and may be recorded.
7.
Proof of Loss and Ownership
If required, provide:
a.
Proof of ownership, such as a bill of sale, receipt,
proof of purchase or warranty exchange.
b.
A signed, sworn proof of loss or damage containing
the information we or our Agent request to settle
the claim. We may require this statement to be
notarized, for which you may incur a nominal fee.
c.
A copy of government-issued photo identification.
d.
Other records and documents that may be
reasonably requested.
These records must be provided within 30 days after
our request for the documentation.
8.
Return of Damaged and/or
Malfunctioning Covered Property
The Additional Insured is required to return the damaged
property including, if coverage is provided under the
policy, property that suffered mechanical and electrical
breakdown, to the Authorized Service Center or other
designated location. If the replacement equipment is
sent to you, you will be provided a prepaid shipping label
and envelope in which to return the damaged property.
Disposal of the damaged Covered Property other
than by returning it to the Authorized Service Center,
or other location designated by us, requires the prior
consent of us or our Agent.
If the damaged Covered Property is not returned
as directed within 15 days of the receipt of the
replacement equipment, a Non-Return Fee as
applicable to the model of Covered Property, not to
exceed three hundred dollars ($300) may be charged
to the Additional Insured.
Any recovery of lost or stolen property will accrue
entirely to our benefit.
9.
Take Delivery
We may make available to you the approved
replacement equipment for pick up at your Wireless
Service Provider. We may also ship the approved
replacement equipment through our Authorized
Service Center directly to you within the United States
for which you must be available to take delivery of
the replacement equipment within 30 days of claim
authorization. If you are not available at the time you
agree to take delivery, you may be required to pay the
costs of reshipping your replacement equipment.
F.
OUR DUTIES IN EVENT OF LOSS
1.
When We Repair or Replace
If a claim is made, we or Asurion Insurance Services,
Inc. will notify the Insured of Asurion Insurance
Services, Inc.’s assessment of the claim within 10
days after we or Asurion Insurance Services, Inc.
receives all the information requested from the
Insured presenting the claim.
Repair or replacement of the lost or damaged
Covered Property will be done within 30 days after
the Insured, or his or her designee has complied with
all the terms of the policy, and we have agreed with
the Insured about the repair or replacement.
2.
Our Options
At our option, we or the Authorized Service Center
may repair the Covered Property with substitute parts
or provide substitute equipment that:
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EQUIPMENT COVERAGE INSURANCE
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a.
Is of like kind, quality and functionality;
b.
Is either new, refurbished, or remanufactured,
and may contain original or non-original
manufacturer parts; and
c.
May be a different brand, model or color.
G. ADDITIONAL CONDITIONS
1.
Arbitration Agreement
Please read this Arbitration Agreement
carefully. It affects your rights.
Most of your
concerns about the policy can be addressed
simply by contacting us at 1-888-655-7443. In
the unlikely event we cannot resolve any disputes,
including any claims under the policy, that you or
we may have,
YOU AND WE AGREE TO RESOLVE
THOSE DISPUTES THROUGH EITHER BINDING
ARBITRATION OR SMALL CLAIMS COURT
INSTEAD OF THROUGH COURTS OF GENERAL
JURISDICTION. YOU AND WE AGREE THAT
ANY ARBITRATION WILL TAKE PLACE ON AN
INDIVIDUAL BASIS ONLY. YOU AND WE AGREE
TO WAIVE THE RIGHT TO A TRIAL BY JURY AND
TO PARTICIPATE IN CLASS ARBITRATIONS AND
CLASS ACTIONS.
Arbitration is more informal than
a lawsuit in court. Arbitration uses a neutral arbitrator
instead of a judge or jury. It has more limited
discovery than in court and is subject to limited
review by courts. Arbitrators can award the same
damages and relief that a court can award.
For the purpose of this Arbitration Agreement,
references to “we,” “us” and “our” includes
Liberty Insurance Underwriters Inc., our Agent,
the First Named Insured and their respective
parents, subsidiaries, affiliates, agents, employees,
successors and assigns. The policy evidences a
transaction in interstate commerce, and thus the
Federal Arbitration Act governs the interpretation
and enforcement of this Arbitration Agreement. This
Arbitration Agreement shall survive the termination of
the policy.
This Arbitration Agreement is intended to be
interpreted broadly, and it includes any dispute:
(1) arising out of or relating in any way to the
policy or to the relationship between You and Us,
whether based in contract, tort, statute, fraud,
misrepresentation or otherwise; (2) that arose either
before this Arbitration Agreement or policy was
entered into by you and us or that arises after this
Arbitration Agreement or policy is terminated; and
(3) that currently is the subject of a purported class
action litigation in which you are not a member of a
certified class. Notwithstanding the foregoing, this
Arbitration Agreement does not preclude you from
bringing an individual action in small claims court or
from informing any federal, state or local agencies
or entities of your dispute. Such agencies or entities
may be able to seek relief on your behalf.
If you or we intend to seek arbitration you and we
must first send to the other a written Notice of
Claim (“Notice”) by certified mail. Your Notice to
us should be addressed to: Legal Department, P.O.
Box 110656, Nashville, TN 37222. The Notice must
describe the dispute and state the specific relief
sought. If you and we do not resolve the dispute
within 30 days of receipt of the Notice, you or we
may initiate an arbitration proceeding with the
American Arbitration Association (“AAA”). You can
obtain the forms necessary to initiate an arbitration
proceeding by visiting www.adr.org or by calling
1-800-778-7879. After we receive notice that you
have commenced arbitration, we will reimburse you
for payment of any filing fee to the AAA. If you are
unable to pay a required filing fee, we will pay it if
you send a written request by certified mail to: Legal
Department, P.O. Box 110656, Nashville, TN 37222.
The arbitration shall be administered by the AAA in
accordance with the Commercial Arbitration Rules
and the Supplementary Procedures for Consumer
Related Disputes (the “Arbitration Rules”) in effect at
the time the arbitration is initiated and as modified
by this Arbitration Agreement. You can obtain a copy
of the Arbitration Rules by visiting www.adr.org or by
calling 1-800-778-7879.
The arbitrator appointed by the AAA to decide the
dispute is bound by the terms of this Arbitration
Agreement. All issues are for the arbitrator to decide,
including the scope of this Arbitration Agreement,
with the exception that issues relating to the
enforceability of this Arbitration Agreement may
be decided by a court. Unless you and we agree
otherwise, any arbitration hearings will take place in
the county or parish of your billing address. If your
dispute is for $10,000 or less, you may choose to
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EQUIPMENT COVERAGE INSURANCE
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conduct the arbitration hearings either by submitting
documents to the arbitrator or by appearing
before the arbitrator in person or by telephone. If
your dispute is for more than $10,000, the right
to arbitration hearings will be determined by the
Arbitration Rules. We will pay all filing, administration
and arbitrator fees for any arbitration initiated
pursuant to this Arbitration Agreement, unless
your dispute is found by the arbitrator to have been
frivolous or brought for an improper purpose under
Federal Rule of Civil Procedure 11(b). In that case,
the payment of such fees shall be governed by the
Arbitration Rules.
At the conclusion of the arbitration hearings, the
arbitrator shall issue a written decision which
includes an explanation of the facts and law upon
which the decision is based. If the arbitrator finds
in your favor and issues a damages award that is
greater than the value of the last settlement offer
made by us or if we made no settlement offer and the
arbitrator awards you any damages, we will: (1) pay
you the amount of the damages award or $7,500,
whichever is greater; and (2) pay your attorney, if
any, twice the amount of the attorney’s fees and the
actual amount of any expenses reasonably incurred
when pursuing your dispute in arbitration. You and
we agree not to disclose any settlement offers to
the arbitrator until after the arbitrator has issued
the written decision. The arbitrator may resolve any
disputes regarding attorney’s fees and expenses
either during the arbitration hearings or, upon
request, within 14 days of the arbitrator’s written
decision. While the right to the attorney’s fees and
expenses discussed above is in addition to any right
you may have under applicable law, neither you
nor your attorney may recover duplicate awards of
attorney’s fees and expenses. Although we may have
the right under applicable law to recover attorney’s
fees and expenses from you if we prevail in the
arbitration, we hereby waive the right to do so.
To the extent either declaratory or injunctive relief is
sought in the arbitration, such relief can be awarded
only to the extent necessary to provide the relief
warranted by a party’s individual claim.
YOU AND
WE AGREE THAT EACH MAY BRING CLAIMS
AGAINST THE OTHER ONLY IN AN INDIVIDUAL
CAPACITY AND NOT AS A PLAINTIFF OR
CLASS MEMBER IN ANY PURPORTED CLASS
OR REPRESENTATIVE PROCEEDING.
Unless you
and we agree otherwise, the arbitrator may not
consolidate the dispute of another person with your
or our dispute and may not preside over any form of
a representative or class proceeding. If this specific
provision of this Arbitration Agreement is found to be
unenforceable, then the entirety of this Arbitration
Agreement shall be null and void.
2.
Claim Authorization and Loss Payment
We or Asurion Insurance Services, Inc. has the right to
settle the loss with the Insured or his or her designee. -
No claims will be accepted unless authorized by
Asurion Insurance Services, Inc.
All repairs and replacements must be made by the
Authorized Service Center, unless we or our Agent
gives the Insured other specific directions. In no
event will Insureds be entitled to reimbursement for
any out-of-pocket expenses.
3.
Cancellation
a.
How An Additional Insured Cancels
An Additional Insured may cancel the coverage
provided by notifying the Agent or First Named
Insured who will advise the Agent.
b.
How We Cancel
We may cancel the policy or change the terms
and conditions only upon providing the First
Named Insured and Additional Insured with
at least thirty (30) days’ notice or other period
as required by law unless we cancel for the
following reasons:
(1)
We may cancel an Additional Insured under
the policy upon fifteen (15) days’ notice or
other period as required by law for discovery
of fraud or material misrepresentation in
obtaining coverage or in the presentation of a
claim thereunder.
(2)
We may cancel an Additional Insured under
the policy immediately or other period as
required by law:
(a) for nonpayment of premium;
(b) if the Additional Insured ceases to have
an
active service with the First Named
Insured; or,
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EQUIPMENT COVERAGE INSURANCE
EQUIPMENT COVERAGE INSURANCE
(c)
if the Additional Insured exhausts the
Aggregate Limit of liability, if any, under
the terms of the policy and we send
notice of cancellation to the Additional
Insured within thirty (30) calendar days
after exhaustion of the limit. However, if
notice is not timely sent, enrollment shall
continue notwithstanding the Aggregate
Limit of liability until we send notice of
cancellation to the Additional Insured.
c.
How First Named Insured Cancels
If the policy is cancelled by the First Named
Insured, the First Named Insured shall mail
or deliver written notice to each Additional
Insured advising the Additional Insured of the
cancellation of the policy and the effective date of
cancellation. The written notice shall be mailed or
delivered to the Additional Insured at least thirty
(30) days prior to the cancellation.
d.
How Notice of Cancellation Is Provided
Notices made pursuant to Section G.3.b. and
c. shall be in writing and include the actual
reason for cancellation and the effective date of
cancellation. The coverage will end on that date.
Notices may be mailed or delivered to the First
Named Insured at its mailing address. Notices
may be mailed or delivered to the affected
Additional Insureds’ last known mailing or
electronic addresses on file with us.
We or the First Named Insured shall maintain
proof of mailing in a form authorized or accepted
by the United States Postal Service or other
commercial mail delivery service. We or the
First Named Insured may comply with Section
G.3.b. and c. by providing such notice or
correspondence to the First Named Insured or
its Additional Insureds by electronic means. If
accomplished through electronic means, we or
the First Named Insured shall maintain proof that
the notice or correspondence was sent.
The First Named Insured agrees to pay or act
as delivery agent for notice of cancellation to all
Additional Insureds.
e.
Return Premiums, If Any
If the policy is canceled, any refunds due will
be on a pro rata basis. The cancellation will be
effective even if the refund has not been made
or offered.
4.
Eligibility
a.
To be eligible for coverage you must 1. be
a valid, active and current subscriber of the
Wireless Service Provider; 2. not have engaged
in fraud or abuse with respect to this or a similar
communications equipment insurance program;
and 3. not be in breach of any material term
of the policy, including but not limited to failure
to return damaged Covered Property when
requested in conjunction with a loss.
b.
If you request enrollment of coverage and your
request is approved by us, your coverage is
retroactive to the date of your application. The
successful completion of a test call to the Covered
Property may be required prior to our approval.
Eligibility for enrollment after initial activation may be
subject to limitations.
5.
Changes
The First Named Insured, on its own behalf and on
behalf of the Additional Insureds, is authorized to
make changes in the terms of the policy with our
consent. The policy’s terms can be amended or
waived only by endorsement issued by us and made
a part of the policy.
If notice of such changes is mailed, proof of mailing
will be sufficient proof of notice.
6.
Concealment, Misrepresentation or Fraud
The policy is voidable in any case of fraud, intentional
concealment or misrepresentation of a material fact,
by either the First Named Insured or any Additional
Insured or their designee at any time, concerning:
a.
The policy;
b.
The Covered Property;
c.
The Insured’s interest in the Covered Property; or
d.
A claim under the policy;
but only with respect to their coverage.
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EQUIPMENT COVERAGE INSURANCE
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7.
Conformity To Statute
We agree that any terms of the policy not in
conformity with the statutes of the state in which
the policy is issued are amended to conform to those
applicable state statutes.
8.
Benefit Only Available To Insureds
No person or organization, other than an Insured,
will benefit from the insurance. We may provide
you access to other limited benefits or services
related to your Covered Property where available.
These may include: property location or recovery
services; data management or recovery services;
equipment service and maintenance; reduced cost
upgrade or purchase benefits or other services
provided through your Wireless Service Provider or
other authorized service facilities.
9.
Legal Action Against Us
No one may bring a legal action against us under the
policy unless:
a.
There has been full compliance with all the terms
of the policy;
b.
The action is brought within 2 years after the
Insured has knowledge of the loss or damage;
c.
The action is brought in compliance
with Section G.1.
10. Liberalization
If we adopt any revision in the policy which would
broaden the Coverage under the policy without
additional premium within 60 days prior to or during
the policy period, the broadened coverage will
immediately apply to the policy.
11. Premiums
a.
The First Named Insured is responsible for the
payment of all premiums.
b.
Within fifteen days after the end of each month,
the First Named Insured:
(1)
Will report to the Agent the total number of
Covered Property units that were covered
under the policy as of the last day of that
month; and
(2)
Will remit the monthly premium to us through
the Agent based on that report.
The monthly premium will be calculated by
multiplying the Monthly Premium Rate per
unit of Covered Property by the total number
of such units.
c.
The First Named Insured may request that
Additional Insureds be billed for the Monthly
Premium Rate applicable to their Covered Property.
If the First Named Insured provides monthly billing
and collection services for the Agent, all funds
collected by the First Named Insured are our property.
We may examine and audit the First Named
Insured’s books and records relating to such
premium payments and reporting at any
time during the policy period and up to three
years afterward.
12. Transfer of Rights and Duties Under The Policy
(Assignment)
No rights and duties under the policy may be
transferred without our written consent.
13. Transfer of Rights of Recovery Against Others
To Us (Subrogation)
If after we have made good the covered loss or
damage, any Insured has rights to recover damages
from another, and those rights are transferred to us
to the extent of our cost of repair or replacement. The
Insured must do everything necessary to secure our
rights and must do nothing after loss or damage to
impair them.
CLHI 005 (11/2012)
© 2012, 2011 Asurion Insurance Services, Inc.
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DISCLOSURE – TERRORISM RISK INSURANCE ACT
THIS ENDORSEMENT IS MADE PART OF YOUR POLICY
PURSUANT TO THE TERRORISM RISK INSURANCE ACT.
In accordance with the Terrorism Risk Insurance Act,
including all amendments, (“TRIA” or the “Act”), we are
required to provide you with a notice of the portion of your
premium attributable to coverage for “certified acts of
terrorism,” the federal share of payment of losses from such
acts, and the limitation or “cap” on our liability under the Act.
Disclosure of Premium:
The Company has made available
coverage for “certified acts of terrorism” as defined in the
Act. If purchased, the portion of your premium attributable
to coverage for “certified acts of terrorism” is shown in the
Declarations, Declarations Extension Schedule or elsewhere
by endorsement in your policy.
Federal Participation In Payment Of Terrorism
Losses:
If an individual insurer’s losses from certified acts
of terrorism exceed a deductible amount specified in the
Act, the federal government will reimburse the insurer for the
Federal Share of losses paid in excess of the deductible, but
only if aggregate industry losses from such acts exceed the
“Program Trigger”.
Beginning calendar year 2020, the Federal Share is 80%
and the Program Trigger is $200,000,000.
Cap On Insurer Participation In Payment Of Terrorism
Losses:
If aggregate insured losses attributable to “certified
acts of terrorism” exceed $100 billion in a calendar year
and we have met our deductible under the Act, we shall not
be liable for the payment of any portion of the amount of
such losses that exceeds $100 billion. Nor shall Treasury
make any payment for any portion of the amount of such
losses that exceeds $100 billion, and in such case, insured
losses up to that amount are subject to pro rata allocation in
accordance with procedures established by the Secretary of
the Treasury.
TRIA-N004-0420
STATE CHANGES TO THE LIBERTY
INSURANCE UNDERWRITERS INC.
WIRELESS COMMUNICATIONS EQUIPMENT
COVERAGE INSURANCE POLICY
This document summarizes state required changes to the
Terms and Conditions of the Wireless Communications
Equipment Coverage Insurance Policy (“Policy”) for Liberty
Insurance Underwriters Inc. in all states except the following:
In Georgia, LM General Insurance Company; In Indiana,
Indiana Insurance Company; In Louisiana, Liberty Personal
Insurance Company; In New Jersey, Liberty Mutual
Mid-Atlantic Insurance Company.
Cancellation
The states listed below required us to amend or add to certain
provisions of the Policy related to cancellation by the insurer
that are found in ADDITIONAL CONDITIONS 3.b. (“How We
Cancel”). These required state amendments were either
changes to the number of days’ notice required to be given for
particular reason(s) for cancellation or additional language to
the provision. Each state’s amendment is described below.
If your state is
NOT
listed, it did not amend ADDITIONAL
CONDITIONS 3.b. and all reasons for cancellation and the
required notices listed in ADDITIONAL CONDITIONS 3.b.
apply to you as outlined in the Policy Terms and Conditions.
If your state
IS
listed below, ADDITIONAL CONDITIONS 3.b.
as outlined in the Policy Terms and Conditions applies to
you with the below changes or additions incorporated into
ADDITIONAL CONDITIONS 3.b.
Colorado, Connecticut, Kansas and Mississippi
: We
may cancel your coverage for nonpayment of premium with
at least 15 days’ notice.
Georgia, Hawaii, Illinois and Ohio
: We may cancel
or change the terms and conditions with at least 60
days’ notice unless we cancel for other reasons set forth
in the policy.
Idaho
: You are entitled to reject changes to the terms and
conditions and receive a pro-rata refund within 60 days’
from our receipt of your notice.
Iowa
: We will continue enrollment until 30 calendar days
after notice of cancellation is provided to the Additional
Insured if timely notice of cancellation was not sent
following the Additional Insured’s exhaustion of the
Aggregate Limit of Liability.
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EQUIPMENT COVERAGE INSURANCE
Maryland
: We may cancel or change the terms and
conditions with at least 60 days’ notice unless we cancel
for other reasons set forth in the policy. We may cancel
your coverage for nonpayment of premium with at least
10 days’ notice. We may cancel with at least 45 days’ notice
for fraud or material misrepresentation. We will send notice
within 15 business days if the aggregate limit is exhausted.
Notice will not be sent if substantially similar coverage has
been obtained from another insurer without any lapse of
coverage. The Wireless Service Provider must give 45 days’
notice if it cancels.
Montana
: We may cancel your coverage for nonpayment of
premium with at least 10 days’ notice.
Nebraska
: We may cancel or change the terms and conditions
with at least 60 days’ notice unless we cancel for other reasons
set forth in the policy. We may cancel your coverage for
nonpayment of premium with at least 15 days’ notice.
Nevada
: We may cancel with at least 10 days’ notice for
fraud or material misrepresentation.
New York
: We may cancel or change the terms and
conditions with at least 60 days’ notice unless we cancel
for other reasons set forth in the policy. We may cancel your
coverage for nonpayment of premium with at least 15 days’
notice. We will send notice within 15 days if the aggregate
limit is exhausted. Notice will not be sent if substantially
similar coverage has been obtained from another insurer
without any lapse of coverage.
North Dakota
: We may change the terms and conditions
with at least 30 days’ notice. If coverage has been in effect
for less than 90 days, we may cancel for any reason with
at least 10 days’ notice or at least 30 days’ for fraud or
intentional misrepresentation. If coverage has been in
effect for 90 days or more, we may cancel with at least
10 days’ notice for nonpayment of premium, and at least
30 days’ notice for: fraud or misrepresentation; actions
that substantially increase or change the risk; refusal to
eliminate known conditions that increase the potential for
loss, after notification; substantial change in risk assumed,
unless reasonably foreseen; our loss of reinsurance; or
a determination by the insurance commissioner that the
continuation of the coverage could place us in violation of
North Dakota insurance laws. We may elect not to renew
the policy with at least 60 days’ notice. We will not mail or
deliver notice of nonrenewal if you have insured elsewhere,
accepted replacement coverage from another insurer, or
requested or agreed to nonrenewal.
Oregon
: We may cancel or change the terms and
conditions with at least 60 days’ notice unless we cancel
for other reasons set forth in the policy. We may cancel
your coverage for nonpayment of premium with at least
15 days’ notice.
Pennsylvania
: We may cancel or change the terms
and
conditions with at least 60 days’ notice unless we
cancel for other
reasons set forth in the policy. We may
cancel your coverage for nonpayment of premium with at
least 30 days’ notice.
South Dakota
: We may cancel or change the terms and
conditions with at least 20 days’ notice unless we cancel
for other reasons set forth in the policy. We may cancel your
coverage for nonpayment of premium or for fraud or material
misrepresentation with at least 20 days’ notice.
Utah
: We may cancel with at least 30 days’ notice for fraud
or material misrepresentation in obtaining coverage or in the
presentation of a claim thereunder.
Washington
: We may cancel or nonrenew the policy or
change the terms and conditions with at least 30 days’
notice unless we cancel for other reasons set forth in the
policy. We may cancel your coverage for nonpayment of
premium with at least 10 days’ notice. We may not increase
premiums or deductibles or otherwise restrict coverage more
than once in any 6 month period.
Wyoming
: We may cancel your coverage for nonpayment
of premium at least 10 days’ notice. We may cancel
immediately for fraud or material misrepresentation.
Arbitration
Certain states required us to amend or add to certain
provisions found in ADDITIONAL CONDITIONS G.1.
(“Arbitration Agreement”) of the Policy as described
below. If your state is not listed, it did not amend
ADDITIONAL CONDITIONS G.1., and all of the
provisions of ADDITIONAL CONDITIONS G.1. apply
as outlined in the Policy Terms and Conditions.
Arkansas and South Dakota
: In the event a dispute
has arisen, arbitration is voluntary and nonbinding,
resolved before a single Arbitrator, in your county or place
of business, and governed by the American Arbitration
Association (“AAA”) in accordance with its Wireless Industry
Rules and Procedures in effect at the time the arbitration is
agreed to. (All other terms of Paragraph 1, G. ADDITIONAL
CONDITIONS apply.)
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District of Columbia, Kansas, Montana, Oklahoma,
and Vermont
: Arbitration is voluntary and non-binding
provided you reject the arbitration decision in writing to us
within forty-five (45) days of the decision. (All other terms of
Paragraph 1, G. ADDITIONAL CONDITIONS apply.)
Georgia, Louisiana and Nevada
: The “Arbitration
Agreement” provision does not apply.
Kentucky, Maine and Wyoming
: Arbitration is non-
binding provided you reject the decision and file a legal
proceeding in the appropriate federal, state or local court,
based on the same issue and facts as raised by you in the
arbitration proceeding within forty-five (45) days of the
decision. Under no circumstances shall a legal proceeding
be filed in a federal, state or local court until such time
as both you and we first address our disagreement in an
arbitration proceeding and obtain an arbitration award
pursuant to this arbitration provision. (All other terms of
Paragraph 1, G. ADDITIONAL CONDITIONS apply.)
Massachusetts
: Arbitration is voluntary.
Missouri
: Arbitration is voluntary. If you and we agree to
arbitrate, then you and we agree that the resolution of the
dispute will be governed by the Arbitration Agreement.
(All other terms of Paragraph 1, G. ADDITIONAL
CONDITIONS apply.)
Oregon
: Arbitration is non-binding provided you reject
the decision and file a legal proceeding in the appropriate
federal, state or local court, based on the same issue
and facts as raised by you in the arbitration proceeding
within forty-five (45) days of the arbitrator’s award. Under
no circumstances shall a legal proceeding be filed in a
federal, state or local court until such time as both you
and we first address our disagreement in an arbitration
proceeding and obtain an arbitration award pursuant to this
arbitration provision. Any arbitration shall be administered in
accordance with the Arbitration Rules unless any procedural
requirement of the Arbitration Rules is inconsistent with the
Oregon Uniform Arbitration Act in which case the Oregon
Uniform Arbitration Act shall control. (All other terms of
Paragraph 1, G. ADDITIONAL CONDITIONS apply.)
Washington
: 1) Arbitration is non-binding provided you
reject the arbitration decision in writing to us within forty-five
(45) days of the arbitrator’s award. Under no circumstances
shall a legal proceeding be filed in a federal, state or local
court until such time as both you and we first address our
disagreement in an arbitration proceeding and obtain an
arbitration award pursuant to this arbitration provision.
2) The following sentence is deleted from Paragraph 1,
G. ADDITIONAL CONDITIONS: This policy evidences a
transaction in interstate commerce, and thus the Federal
Arbitration Act governs the interpretation and enforcement of
this Arbitration Agreement. (All other terms of Paragraph 1,
G. ADDITIONAL CONDITIONS apply.)
West Virginia
: Arbitration is voluntary. Each party will
select an arbitrator. The two arbitrators will select a third
arbitrator. If they cannot agree upon the selection of a third
arbitrator within 30 days, both parties must request the
selection of a third arbitrator be made by a judge of a court
having jurisdiction. A decision agreed to by any two will be
binding. Payment of the arbitrator’s fee shall be made by us
if coverage is found to exist. If coverage is not found, each
party will: (a) pay its chosen arbitrator; and (b) bear the other
expenses of the third arbitrator equally.
Miscellaneous
Michigan: The following notice is required
: This policy
is exempt from the filing requirements of section 2236 of the
insurance code of 1956, 1956 PA 218, MCL 500.2236.
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Tech Support
for Verizon
Business Complete
Terms of Service
TECH SUPPORT FOR VERIZON BUSINESS
COMPLETE TERMS OF SERVICE
Tech support for Verizon Business Complete Terms of Service
is a legal agreement between you, the end user (hereinafter,
“You”) and Cellco Partnership d/b/a Verizon Wireless
(hereinafter, “Us” or “We”). Your use of tech support (the
“Services”) is subject to the Tech Support for Verizon Business
Complete Terms of Service described below (the “Terms”);
Your use is also subject to the Verizon Wireless contract
that governs Your wireless service relationship with Us (the
Verizon Wireless Customer Agreement, the Verizon Wireless
Major Account Agreement or the Verizon Wireless Enterprise
Account Agreement, (collectively the “Verizon Wireless Service
Agreement”)), including its mandatory binding arbitration
provision, which is available at www.verizonwireless.com.
Please read both these Terms and the Verizon Wireless
Service Agreement carefully and do not use the Services if
You disagree with them. Additional information about the
Services is available at www.verizonwireless.com.
Supported Devices & Use of Services
We, directly or indirectly, will provide the Services in
accordance with these Terms. The Services are available for
devices associated with each line enrolled in Verizon Business
Complete or Verizon Business Core Mobile Bundle (such
devices collectively referred to as a “Supported Device”). To
use the Services, You must have an active Verizon Wireless
account and a Supported Device, and You must provide Us
with the mobile number associated with Your Supported
Device when seeking Services. Data usage charges may
apply to the Services, and You are solely responsible for their
payment. In some circumstances, You may need to download
certain Apps or supply and/or purchase additional equipment
or software to receive the full benefit of the Services, and You
are responsible for the cost of that equipment or software.
Services may also include services provided at a third-party
service provider that has been contractually retained by
Verizon Wireless or its Services supplier.
Scope of the Services.
The following Services are
provided as described below:
Onboarding Support
The Services include guided device setup and configuration
of your Supported Devices through onboarding support,
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TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
34
including assistance with (a) device activation and setup; (b)
download of supported device apps and set up of security
settings per Verizon Wireless requirements; (c) assistance
with Wi-Fi and smart device and accessory connectivity in
connection to your Supported Device; (d) support with data
backup, restoration, and data transfer from the Cloud in
regards to your Supported Device; and (e) mobile device
management solutions set up and guided configuration,
excluding functionality requiring administrative rights.
Technical Support Services
The Services include technical support provided by experts
for: (a) Your Supported Device(s) and the operating systems
and software applications on it; and (b) the use of Your
Supported Device(s) with other devices and services
manufactured to be compatible with Your Supported
Device(s) or intended to be connected to it (the “Technical
Support Services”).
The Technical Support Services do not include: (a) assistance
with wireless network coverage issues, such as dropped
calls/data interruptions; (b) facilitating or activating over-
the-air updates to operating systems, firmware, or other
software on Your behalf; (c) diagnostic support unrelated to
your Supported Device (unless otherwise described herein);
(d) modification of Original Equipment Manufacturer (“OEM”)
software; (e) installation of third-party software or OEM
drivers not supported by the Supported Device; (f) setup or
repair of peripherals or home or wireless routers, modems or
networks; (g) installation of non-sanctioned applications as
determined by Us in our sole discretion; (h) data migration
from computer device to computer device; or (i) assistance
with specialized devices related to medical care, including but
not limited to, emergency assistance/first responder devices.
Verizon Mobile Device Management
Mobile Device Management (“MDM”) can help you manage,
configure and protect devices and monitor compliance
with Your business’ mobile device policies. Features and/or
capabilities to manage devices include, but are not limited to,
preventing users from changing settings, providing the ability
to configure security settings remotely, restricting device
capabilities, enforcing corporate policies such as passwords
and encryption, installing and blocking applications on
devices, locking and wiping devices remotely and configuring
Wi-Fi policies. You agree to implement and maintain security
measures with respect to MDM that effectively restrict
access to MDM to authorized personnel with a need to know,
and that protects the MDM platform from unauthorized use
or access. You shall ensure that MDM is not accessed, used,
or made available to third parties or to Your employees who
are not authorized to access the MDM service.
Device Refresh
The Services include access to device refresh services to
optimize device functionality and performance of Supported
Devices. Device refresh services include device diagnostics
and checkups for certain performance indicators, such as
assessment of device speed, signal strength, and battery
performance of Your Supported Devices. The availability of
these services is contingent on certain criteria, including
smartphone model type and technician availability.
These services are diagnostic only, and do not include
troubleshooting, triage, repair or replacement services.
Device refresh services also include unlimited sanitization of
Your Supported Devices, case, screen and ports (for select
smartphones). Device refresh services may be provided to
You via web or at one of Our authorized repair locations,
which are subject to change at any time. Visit verizon.com/
businesscompletesupport to learn more.
Same-Day Delivery and
Setup for Insurance Replacements
In select locations, if you file a claim for an eligible Device
under the Wireless Phone Protection for Verizon Business
Complete insurance program and are offered a replacement
device, you may be eligible for setup services. Your eligibility
for setup services under the Wireless Phone Protection for
Verizon Business Complete program will be determined
based on the following criteria: (1) Your requested delivery
location; (2) smartphone model eligibility; (3) time that Your
Wireless Phone Protection for Verizon Business Complete
claim is filed and approved; and (4) availability of a setup
expert. Only claims filed and approved by 4:00 p.m., local
time, and that meet Our eligibility requirements, may receive
a replacement device from a setup expert by 9:00 p.m., local
time, on the same day the claim was filed and approved.
Your Supported Device’s eligibility for this setup service is
determined at the time an insurance claim is made and
approved. Setup services are available in select locations and
for select smartphones only. Check www.phoneclaim.com/
verizon to determine if Your Supported Device is eligible and
to determine locations where setup services are available.
Setup services provided with same-day delivery for
insurance replacements include device activation, data
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TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
migration services and/or initial device configuration and
connectivity. Setup services will not include dismantling
or installation of equipment unrelated to the replacement
device. In order to be eligible for setup services, someone at
least 18 years of age must be present at all times while the
setup expert is on site and performing the requested setup
services. The setup expert will contact You prior to delivering
Your device and setup services to verify the delivery window.
If You do not confirm Your availability for Your scheduled
delivery and setup services, We reserve the right to cancel
Your delivery and setup services. If eligible for setup services,
You may be required to sign a consent form to perform the
requested services prior to any services being performed.
You agree to provide a safe, non-threatening environment
for the setup expert to perform the setup services. The setup
expert has the right to terminate setup services if they feel
that You are not complying with any requirements contained
in these Terms or any consent provided prior to the initiation
of the setup services. Setup services will continue until
completion only if completion can occur within a reasonable
amount of time, reasonableness will be at the discretion of
the setup expert. In the event the setup services are stopped
prior to Your device setup being complete, You may continue
the setup services by engaging with a technical expert.
Limitations and exclusions may apply.
Laptop Health Check-ups
The Services include laptop health check-up services.
Laptop health check-up services are available for laptops
eligible for Technical Support Services (such devices
collectively referred to as “Supported Laptop(s)”) and include:
(a) technical support for Your Supported Laptop and the
operating systems and software applications on them; (b)
technical support with malware and virus prevention and
removal; and (c) technical support for Your Supported Laptop
(if applicable) as it relates to the assessment of the product’s
performance. Laptop health check-up services may include
specific technical support services provided at select
uBreakiFix
®
by Asurion locations for in-person tech support
or via experts. The availability of these services is contingent
on certain criteria, including laptop model/type, which are
subject to change at any time, and technician availability.
These services are diagnostic only, and do not include
troubleshooting, triage, repair or replacement services.
Laptop health check-up services may also include anti-
virus software installation, scanning and virus removal (if
applicable). Laptop health check-up services do not include:
(a) setup or repair of peripherals or home or wireless routers,
modems or networks; (b) installation of non-sanctioned
applications on a laptop as determined by Us in our sole
discretion; (c) diagnostic support unrelated to your Supported
Laptop; (d) data migration from laptop to laptop; or (e)
assistance with specialized devices related to medical care,
including but not limited to, emergency assistance/first
responder devices.
Off-Boarding Support
The Services include off-boarding support when notice of
termination of Your enrollment in Verizon Business Complete
or Verizon Business Core Mobile Bundle has been provided
by either You or Us. Offboarding support includes, but is not
limited to (a) data cloud backup and remote data wiping of
Your Supported Devices; (b) removal of FindMy and mobile
device management functionality prior to the return of
Your Supported Devices; and (c) assistance with shipping
instructions regarding the return of Your Supported Device.
Verizon Wireless will also provide any materials necessary for
the return of Your Supported Device to Us.
Your Responsibilities in Accessing the Services
Backup of Software and Data
You are responsible for backing up the software or data
stored on Your Supported Device and other devices
included in the Services (including Supported Laptop(s)).
Verizon Wireless is not responsible for any loss, alteration
or corruption of any software or data, and We may decline
to provide Services to You if it is determined that You have
not taken appropriate back-up measures. When providing
Services, experts may be required to remotely access Your
Supported Device and other devices included in the Services
(including Supported Laptop(s)), such as any data, videos,
pictures, text messages or other content thereon. It is
Your responsibility to remove any sensitive content on Your
Supported Device to the extent You believe necessary to
prevent access by experts.
Remote Access Applications
To receive Services, You may be required to run certain
software applications on Your Supported Device and other
devices included in the Services (“Software”). The Software
may include tools that allow Verizon Wireless to access Your
device and any content stored thereon remotely. You agree
to comply with the terms applicable to the Software, and
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TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
in the event of a conflict between those terms and these
Terms and the Verizon Wireless Service Agreement, the
Software-specific terms control with regard to the Software
only. You acknowledge and agree that You will not copy or
modify the Software or any other materials provided to You in
connection with the Services.
Representations and Authorizations
When seeking Services, You represent that You are an
authorized user of the Supported Device or other devices
included in the Services, as well as any software thereon,
and We reserve the right to refuse to provide Services to
You if We determine that You are not an authorized user.
When seeking Services, You: (a) expressly consent to experts
remotely accessing Your Supported Device, other devices
included in the Services and any data, videos, pictures,
text messages or other content thereon (including content
that may be personal, confidential or otherwise sensitive in
nature); (b) expressly authorize experts to effect changes to
Your devices, to the extent necessary to provide the Services,
and You acknowledge and agree that such changes may be
permanent and irreversible; and (c) if eligible, and choose to
have Your replacement smartphone delivered to you same-
day with setup services, expressly authorize a setup expert to
deliver Your replacement device to Your office (or requested
delivery location), and consent to a delivery and setup expert
performing certain setup services in Your home (or requested
delivery location), subject to this Agreement.
Passwords
If You know or suspect that the passwords associated with
or stored on Your Supported Device have been available to or
accessed by anyone as a result of Your use of the Services,
You should immediately change or reset those passwords.
Claim Limitation
Subject to the Arbitration provision in your Verizon Wireless
Service Agreement and unless otherwise allowed by
applicable law, any claim related to the Services shall be
brought within one (1) year of the events giving rise to the
claim. Failure to assert any such claim during that time
results in the claim being forever barred.
Other Important Information
Concerning the Services
Commercially Reasonable Efforts
Verizon Wireless will use commercially reasonable efforts
to provide the Services. This means that if We are unable
to resolve Your issue after making commercially reasonable
efforts, We have the right and discretion to refuse to take
further efforts to do so. Additionally, in some instances, We
may have limited information from vendors, manufacturers
and developers, and We may not have the ability to obtain
the proprietary or other information required to resolve Your
issue. Some technical problems that You encounter may be
the result of software or hardware errors not yet resolved by
the vendors, manufacturers or developers of that software or
hardware, in which case We may not be able to resolve Your
issue. In those circumstances, You still are liable for any fees
or charges associated with the Services.
Right to Terminate
Verizon Wireless reserves the right to suspend or terminate
Your use of the Services at any time and for any reason,
including for abuse, excessive usage or failure to pay any
fees or charges associated with the Services. We also
reserve the right to change the scope or extent of the
Services at any time and for any reason. Any refund of fees
or charges associated with the Services that We may agree
to pay in such circumstances will be limited to the fees
You paid in the prior month for the Services. If You wish to
terminate Your access to the Services, please contact Us by
calling (800) 922-0204 or visiting www.verizonwireless.com.
TECH SUPPORT FOR VERIZON BUSINESS COMPLETE
TERMS OF SERVICE
(EFFECTIVE APRIL 22, 2026)
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TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE
File an insurance claim
If you damage your device or it goes missing, get
help fast and get back to business. Just head
over to the online claims portal to get started:
Scan QR code or visit
phoneclaim.com/verizon
or to begin.
Or give us a call:
1-888-655-7443
While traveling internationally: 1-615-647-3364
NOTE:
Contact Verizon immediately at 1-800-922-0204 to
suspend your wireless service if your device is lost or stolen.
All claims must be made within 90 days of incident.
Fraud:
Any person who, knowingly and with intent to injure,
defrauds or deceives any insurer, files a statement of claim or
an application containing any false, incomplete or misleading
information is guilty of insurance fraud. In Florida, such
conduct is a felony of the third degree.
Questions regarding this program should be directed to
Liberty Insurance Underwriters Inc.’s licensed agent,
Asurion Insurance Services, Inc., which can be reached at
1-888-655-7443 or Asurion Insurance Services, Inc.,
P.O. Box 110656, Nashville, TN 37222.
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Signing up for Verizon Business
Complete or Verizon Business
Core Mobile Bundle is easy
Three ways to join:
•
See your Verizon sales representative today
•
Log in to your My Business account
•
Call 1-800-922-0204
For Verizon Business Complete, once your eligibility is
verified, the monthly charge will be added to your Verizon
bill. Insurance coverage is effective upon enrollment and
upon activation and use (text, data, calls on the Verizon
network) on the enrolled device associated with an active
service agreement.
Experiencing a problem?
If you’re having a problem with your device,
just contact us at 1-888-655-7443 from a
different phone. We'll diagnose the issue
with you right over the phone. If we can't
resolve the problem and it is caused by a
manufacturing defect/malfunction, we'll
send you a replacement. For limitations and
restrictions, refer to the Verizon Business
Complete Service Agreement.
Who is Asurion?
Verizon Business Complete is offered in
conjunction with Asurion, a trusted provider
for total tech protection, support and more.
For more than 20 years, Asurion has helped
over 300 million people unlock the power of
their technology, making their lives easier
and their tech a lot more amazing.
INS80179EN
©2026 Asurion, LLC.
All rights reserved.
VBCBRONW042026
VZW-2183800-26
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