Terms of Use
These terms govern your use of this website, published by Stanhope Simpson Insurance Ltd. By using the site, you accept them. If you do not, please do not use it.
We may revise these terms from time to time. The date at the foot of this page tells you when they last changed.
What This Site Is, and What It Is Not
This site exists to describe what we do and to let you get in touch. It is not a policy, a quotation, or a binder, and reading it does not create a broker-client relationship. Eight points matter more than the rest:
- Nothing on this website binds, alters, renews or cancels insurance coverage
- Coverage takes effect only when we and the insurer confirm it to you in writing
- A quotation is not a binder. It is subject to underwriting and to the terms the insurer ultimately issues
- Descriptions of coverage on this site are general summaries, not policy wordings
- Where this site and your policy disagree, your policy governs — always
- Nothing here is advice for your particular situation. Speak to a licensed broker before you act on it
- We can transact insurance only where we hold the applicable licence, and nothing here is a solicitation in a jurisdiction where we are not licensed
- Do not report a claim, a loss, a cancellation or any time-sensitive instruction through this site or by email — call us, or call your insurer’s 24-hour claims line
You are welcome to read, print and share this site for your own personal or business purposes. All content, design and branding on it remains ours or our licensors’, and all rights are reserved. The following are not permitted:
- Reproducing, republishing or redistributing our content commercially without our written permission
- Using our name, logo or branding in any way that suggests a relationship or endorsement that does not exist
- Framing our pages inside another site, or presenting our content as somebody else’s
- Scraping, harvesting or automated collection of content, and use of anything on this site as input, training or fine-tuning data for an artificial intelligence system
- Submitting false, speculative, duplicate or automated quote requests through our forms
- Interfering with the operation or security of the site, or attempting to reach anything on it not intended for you
- Any use that is unlawful, or that would place us in breach of a law or a licence
Surety deserves its own note, because it is not insurance and the distinction matters. Nothing on this site commits bonding capacity, agrees to issue a bond, or constitutes a bond. Capacity and issuance are subject to underwriting approval. Where a bond is issued, the executed bond form and the underlying contract or statute govern the obligation. A surety bond is a guarantee rather than an insurance policy, and the principal remains obliged to indemnify the surety for losses it incurs.
Links to Other Sites
We link to insurers, regulators and other third parties where it is useful. We do not control those sites, we do not review or endorse their content, and we are not responsible for it. When you follow a link away from here, that site’s own terms and privacy policy apply, not ours. You go at your own risk.
Availability and Accuracy
We work to keep this site accurate and current, but it is provided on an “as is” and “as available” basis, without warranties of any kind. Insurance products, wordings, availability and pricing change, and a page may be out of date before we have caught it. We do not warrant that the site will be uninterrupted, error-free or secure. If something here matters to a decision you are making, confirm it with us.
Limits on Our Liability
To the extent permitted by applicable law, Stanhope Simpson Insurance Ltd. is not liable for any direct, indirect, incidental, consequential, special or punitive loss arising from your use of this site or from reliance on anything published here, including lost profits or lost data.
Nothing in these terms limits or excludes any liability that cannot be limited or excluded by law, and nothing here affects rights you may have under consumer protection legislation in your province. This clause is about the website. It does not affect our obligations to you under any policy, bond or brokerage engagement.
Privacy, Accessibility and Governing Law
Our Privacy Policy explains how we handle personal information and forms part of these terms. Our Accessibility Statement sets out what to do if something on this site gets in your way.
These terms are governed by the laws of the Province of Nova Scotia and the federal laws of Canada that apply there. Nothing in this paragraph removes the protection of the law of the province in which you live if you are dealing with us as a consumer.
If any part of these terms is found unenforceable, the rest continues to apply. If we do not enforce a term on one occasion, that is not a waiver of it.
Questions about these terms go to Stanhope Simpson Insurance Ltd., 3845 Joseph Howe Drive, Suite 300, Halifax, NS B3L 4H9 — (902) 454-8641 or info@stanhopesimpson.com.
Last updated August 2026.