1. Acceptance of Terms
These Terms of Service ("Terms") form a binding agreement between you ("you" or "User") and Justin K. Dorman ("we," "us," or "I") governing your access to and use of justinkdorman.com (the "Site"). By accessing the Site, browsing any page, or submitting any information through any form on the Site, you accept these Terms and our Privacy Policy in their entirety. If you do not agree, do not use the Site.
2. Description of the Site
The Site is the personal professional presence of Justin K. Dorman, National Workers' Compensation Product Manager at Burns & Wilcox. The Site provides informational content about workers' compensation insurance, wholesale brokerage capabilities, state-by-state rating bureaus, and similar industry topics, together with a contact form for inquiries.
The Site is not an insurance agency or brokerage website, does not transact insurance, and does not present binding offers, quotations, or policy documents. See Compliance & Disclosures for details about how wholesale brokerage actually flows through Burns & Wilcox's corporate channels.
3. Eligibility
You must be at least 18 years old and legally able to enter into a binding contract to use the Site. By using the Site, you represent and warrant that you meet these requirements. The Site is intended for use by licensed insurance professionals and adult business contacts; it is not directed at consumers seeking to purchase insurance directly.
4. No Insurance Offered, Sold, or Bound Through the Site
Nothing on the Site constitutes an offer to sell, a solicitation to purchase, a quote, a binder, or any commitment to provide insurance coverage. Submitting the contact form does not create an insurance contract, an agency relationship, a fiduciary duty, or any obligation to provide coverage. Insurance coverage is bound only by an authorized representative of an admitted or eligible non-admitted carrier through Burns & Wilcox's official corporate channels, in writing, on the carrier's policy forms.
5. No Professional Advice
Information on the Site is for general informational and educational purposes only. It is not insurance advice, legal advice, tax advice, accounting advice, actuarial advice, or financial planning advice. Coverage selection, claim handling, premium audits, experience modification disputes, classification analysis, and similar matters require evaluation of facts and circumstances specific to each employer; consult a licensed attorney, certified public accountant, or other qualified advisor for guidance specific to your situation.
While effort is made to keep Site content (including the State Workers' Compensation Rating Bureau Map and Reference Table) accurate, rating bureaus, loss costs, class codes, and regulatory contacts change over time. Verify with the authoritative source before relying on any information for binding, quoting, or compliance decisions.
6. User Obligations
When using the Site, you agree to:
- Provide accurate, truthful, and complete information in any form submission;
- Use the Site only for lawful purposes related to legitimate insurance business inquiries;
- Refrain from any conduct that interferes with the Site's operation or other Users' access;
- Comply with all applicable federal, state, and local laws and regulations, including insurance laws and licensing requirements;
- Promptly notify us if you become aware of any unauthorized use, security incident, or apparent vulnerability of the Site.
7. Prohibited Uses
You may not, and may not permit any third party to:
- Use the Site to transmit any unlawful, harassing, defamatory, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material;
- Use the Site to send unsolicited commercial communications, spam, or chain letters;
- Impersonate any person or entity, falsely state your affiliation with any person or entity, or misrepresent your status as a licensed producer;
- Submit workers' compensation claim files, claimant medical records, individually identifiable health information, Social Security numbers, financial account numbers, or other sensitive personal information through the contact form (use carrier or Burns & Wilcox secure portals instead);
- Attempt to gain unauthorized access to any portion of the Site, related systems, networks, accounts, or any data not intended for you;
- Probe, scan, or test the vulnerability of any system on the Site, or breach any security or authentication measures;
- Use automated means (bots, scrapers, headless browsers) to access, harvest data from, or send submissions through the Site, except for the limited purpose of indexing by reputable search engines that respect
robots.txt; - Use the Site or its content to compete with Burns & Wilcox, to solicit Burns & Wilcox clients or producers, or to reverse-engineer underwriting methodology or proprietary information;
- Use the Site to violate any law, regulation, or third-party right.
8. Intellectual Property
All content on the Site — including text, graphics, logos, icons, images, page layouts, design system, photographs, the State WC Bureau Map, the Reference Table, and any software code — is owned by Justin K. Dorman or licensed to us, and is protected by United States and international copyright, trademark, and other intellectual property laws.
"Justin K. Dorman" and any associated personal or professional marks are the property of Justin K. Dorman. "Burns & Wilcox" and related marks are the property of Kaufman Financial Group, Inc. or its affiliates, used here with permission of the rights holder.
You may view, download for personal reference, and print Site content for non-commercial informational use, provided you retain all copyright and proprietary notices. You may not republish, mirror, copy, reproduce, distribute, sell, license, sublicense, broadcast, transmit, modify, or create derivative works of any Site content without prior written permission.
9. User Submissions
By submitting information through the contact form or any other communication mechanism on the Site, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, and process the submission for the purposes of responding to your inquiry, advancing the wholesale workflow with Burns & Wilcox, and meeting regulatory recordkeeping obligations. You represent and warrant that you have the right to submit the information and that doing so does not violate any third-party right.
We may, but are not obligated to, decline to respond to or act on any submission that we believe is incomplete, fraudulent, unlawful, abusive, or otherwise inappropriate.
10. Third-Party Sites & Resources
The Site contains links to third-party websites operated by state insurance regulators, workers' compensation rating bureaus, professional associations, and others. We do not endorse, control, or assume responsibility for the content, accuracy, privacy practices, or terms of any third-party site. You access third-party sites at your own risk and subject to those sites' own terms.
11. Disclaimer of Warranties
THE SITE AND ALL CONTENT, INFORMATION, AND MATERIALS ON OR AVAILABLE THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
Without limiting the foregoing, we do not warrant that the Site will be available at any particular time, that defects will be corrected, that the Site will be free of viruses or other harmful components, or that any specific information on the Site is accurate, current, or applicable to your specific situation. Bureau information, state department contacts, links to external resources, and similar reference data may become outdated and should be independently verified.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL JUSTIN K. DORMAN, BURNS & WILCOX, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR INABILITY TO USE) THE SITE, ANY CONTENT ON THE SITE, OR ANY ACTION TAKEN OR NOT TAKEN IN RELIANCE ON SITE CONTENT, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; the limitations above apply to the maximum extent permitted in your jurisdiction.
13. Indemnification
You agree to indemnify, defend, and hold harmless Justin K. Dorman, Burns & Wilcox, and their respective officers, directors, employees, agents, and affiliates from and against any claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your access to or use of the Site, (b) your violation of these Terms, (c) your violation of any third-party right, including any intellectual property or privacy right, or (d) any content or information you submit through the Site.
14. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Michigan, United States, without regard to its conflict-of-laws principles. The federal and state courts located in Oakland County, Michigan have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Site, and you consent to the personal jurisdiction of those courts.
Any dispute, controversy, or claim arising out of or relating to these Terms or the Site shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved within thirty (30) days, either party may pursue available legal remedies in the venue stated above.
15. Changes to These Terms
We may revise these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. If we make a material change, we will indicate it on this page and may also note the change on the Site's home page. Your continued use of the Site after a revision constitutes acceptance of the updated Terms. If you do not agree, stop using the Site.
16. Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if no modification will render it enforceable, severed from these Terms. The remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with the Privacy Policy and Compliance & Disclosures, constitute the entire agreement between you and us regarding the Site and supersede all prior or contemporaneous communications, agreements, and proposals on the subject. Failure to enforce any right or provision shall not constitute a waiver of that right or provision.
18. Contact
Questions about these Terms, requests for permission to use Site content, and similar inquiries should be sent through the contact form on the home page.