Terms of Use

Terms and Conditions for AmerInst Professional Services, Ltd. (APSL)
Websites and Company Information

(Last Updated December 09, 2010)

Conditions of Use

By using this website and all others owned and maintained by APSL, you agree to the following terms and conditions so please read them carefully. These Terms and Conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent Terms and Conditions. If you decide to purchase insurance products or services from APSL the terms and conditions specified in your policy or agreement with APSL will apply and will control in the event of any conflict with this or any affiliated website.

Restrictions on Use of Materials

This website is owned and operated by APSL. Except as otherwise expressly permitted in writing by APSL, no materials from this website or any website owned, operated, licensed or controlled by APSL may be copied, reproduced, republished, uploaded, posted, transmitted, linked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without APSL's written permission.

Trademarks and Copyright

All trademarks, services marks, trade names, logos, icons, copyrights and domain names located on this website are the property of APSL and others. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of APSL or third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons, copyrights and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of APSL or used with permission. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

E-mails to APSL Addresses

The APSL e-mail system is a private e-mail system intended only for purposes authorized by APSL. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @amerinstpro.com. APSL reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.

Links to Other Websites

This website is linked to other websites which are not maintained or controlled by APSL. APSL is not responsible for the content of those websites. The inclusion of any links to such websites does not imply approval of or endorsement by APSL of those websites, their content or their products and services. If you have difficulty linking to any linked websites or to report a dead (non-working) link, please send us an e-mail at: pat.cosulich@amerinstpro.com.


The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by APSL, but are provided 'as is' and for general informational purposes. APSL makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. APSL does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. APSL also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.


Limitation of Liability

To the maximum extent provided by law APSL shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.

Jurisdictional Issues

APSL makes no representation that all insurance products and services on this website are appropriate or available for use in your state. Some insurance products and services may not be available in all states or jurisdictions. If you choose to access this website you do so on your own initiative and are responsible for compliance with any local, state and federal laws. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction.. These Terms and Conditions shall be governed by and interpreted according to the laws of the State of Illinois without respect to any conflict of laws provisions. If any provision of these Terms and Conditions is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

Software Licenses

You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. APSL does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States export controls laws and regulations.


Please review APSL's Internet Privacy Policy. The Internet Privacy Policy explains what information APSL may collect from you on our website and how we will use and protect your information. We do not collect any personally identifiable information on our website unless you provide it to us.

Quotes / Submissions

All quotes generated by this website are based upon the information you provided. Any coverage descriptions provided on this website are general descriptions of available coverages and are not contracts. To obtain coverage you must submit an application to APSL. All applications are subject to underwriting approval. Coverages and availability may vary by state.

Company Information

The term 'APSL' as used in this website means:

  • AmerInst Professional Services, Ltd., a Delaware company based in Illinois;
  • AmerInst Professional Liability Services Ltd., Inc. in Alabama; and
  • AmerInst Professional Insurance Services, Inc. in California, Florida, Indiana, New Jersey and Tennessee.

APSL sometimes transacts business using the brand name “Protexure”. See www.protexureaccountants.com for additional information.

APSL places insurance policies with United States Fire Insurance Company, a member of the Crum & Forster Insurance Group (C&F). C&F is rated A (Excellent) by A.M. Best, with a Stable outlook.


If any of these Terms and Conditions are determined to be unenforceable or invalid, the remaining Terms and Conditions shall remain in full force and effect and be enforced to the fullest extent permitted by applicable law.


APSL reserves the right to terminate your access to this website at any time, with or without cause.

Protexure  Accountants /// Providing  Exceptional  Service & Comprehensive  Coverage

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