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Terms of Use

This legal notice applies to the entire contents of the Website under the domain names '', '',' and '' (Website).  Please read these terms and conditions of use carefully before using the Website.  Using the Website indicates that you accept these terms (and those of our Privacy Policy).  If you do not accept these terms, do not use the website.

This notice is issued by Hardy Underwriting Bermuda Limited (Hardy) registered in Bermuda at Crawford House, 50 Cedar Avenue, Hamilton, HM11, Bermuda.


The viewing of this website may not be lawful in certain jurisdictions. Any person resident outside of the United Kingdom who wishes to view this website must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so. If you are not permitted to view this website, or are in any doubt as to whether you are permitted to view this website, you must exit this website.

Please note that Lloyd's of London have not reviewed, nor have they approved, the contents of this website.

Reference in these Terms to "we", "our" or "us" is to Hardy Underwriting Bermuda Limited, its subsidiaries (together " Hardy") and to Syndicate 382 at Lloyd's.

Hardy reserves the right to withdraw or modify any aspect of the website for whatever reason, whether legal, technical or otherwise.  We will not be liable if for any reason the website is unavailable at any time or for any period.

The contents are published solely for the purpose of providing general information about Hardy. The contents are published by Hardy in good faith and have been taken from sources believed by them to be reliable. We have not verified all of the contents. We do not represent that the contents are accurate, complete or fair and they should not be relied on as such. We do not accept any liability for loss or damage arising from any inaccuracy or omission in or the use of or reliance on the contents. The contents, any opinions and estimates expressed therein reflect the judgment of Hardy as at July 2012 (the last date to which this website was updated) (or, earlier, if the date of any document in which they appear) and are subject to change by us without notice.

No offer to sell / solicitation

The Contents are not intended to constitute any offer to sell or invitation or solicitation of an offer to buy any product or services by us. Any products or services referred to in this website are subject to legal and regulatory requirements applicable in the jurisdiction in which the risks and / or potential assured are located. Products and services mentioned in this site may not be available in all jurisdictions.

The Contents do not constitute advice or any offer to sell or invitation to buy, or investment advice in respect of, any securities and must not be relied upon in connection with any investment decision. Before making any investment decision, or exercising any right attaching to a share or other security, you should seek appropriate advice from a lawyer, stockbroker, or independent financial adviser (in each case qualified and authorised, as appropriate, in your jurisdiction).

Links to other websites

Certain (hypertext) links this website will lead to other websites which are not under our control. When you activate any of these you will leave the Hardy website and we give no endorsement of nor accept responsibility or liability in respect of the content of such websites or any products or services offered through such websites.

Limitation of liability

The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy.  To the extent permitted by law, Hardy, its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation of this website, shall not be liable or responsible to persons accessing the website or any third party for any harm, loss or damage whether arising in contract, tort (including negligence) or otherwise, even if foreseeable, that may arise in connection with any use of or inability to use this website, any websites linked to it and any materials posted on it, including any direct, indirect, special, third party, or consequential loss or damages.

Hardy will not be liable for any failure to perform its obligations under these Terms caused by matters beyond its control, howsoever arising.

We make no representation that this website is free from infection by viruses or anything else that has contaminating or destructive properties.

The foregoing exclusions of liability shall not apply to any damages arising from death or personal injury caused by our negligence or any person for whom we are responsible.

Intellectual property

The Contents are © Hardy Underwriting Group plc 2001. Please note that all images and information contained on this website may be copyright works. Either the copyright and all other rights in all of the material on this website are owned by a member of Hardy or the material is included with the permission of the rights of the owner. Except for the making of a hard copy print for your own personal use only or the use of others in your organisation (or downloading the material for personal use or the use of others in your organisation only provided that you retain all copyright and proprietary notices), the material on this website may not be copied, reproduced, transmitted, distributed or displayed, by any means, without the express prior written consent of Hardy.


In the event that any term of these Terms and Conditions are held to be invalid or unenforceable by a court of appropriate jurisdiction, the remaining terms shall remain valid and enforceable. 


This website is established in England and these Terms shall be governed and construed in accordance with English Law. When you use the website you accept that your use thereof shall be governed by the laws of England and if any dispute arises as to your use of this website, you agree to allow such dispute to be heard in the English courts. If any provisions of these Terms shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not effect the validity and enforceability of the remaining provisions.

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