Last Updated: 09/16/2026
Welcome to the website of LINDEN PROPERTY AND CASUALTY LLC ("Agency," "we," or "our"), an independent insurance agency located in the State of New York. Please read these Terms and Conditions ("Terms") carefully before using LINDENPROPERTYANDCASUALTY.COM and our hosted online portal (the "Website" or "Client Center"). By accessing this Website or registering for a Client Center account, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately discontinue use of this Website.
1. Hosted User Accounts & Client Center Registration & Eligibility
To access certain features of our Client Center, you must register for an online account. You agree to provide accurate, current, and complete information during the registration process.
Account Security
You are entirely responsible for maintaining the confidentiality of your login credentials (username and password). You agree to notify the Agency immediately at [Insert Email/Phone] if you suspect any unauthorized use of your account or breach of security.
Agency Access and Revocation
The Agency reserves the right, in its sole discretion, to suspend, terminate, or restrict your access to the Client Center at any time, without notice, for any violation of these Terms or suspected fraudulent activity.
Electronic Documentation
Documents made available within the Client Center (such as policy summaries, auto ID cards, or certificates of insurance) are provided for your convenience. They do not replace the official policy documentation issued directly by your insurance carrier.
2. No Professional Advice or Binding Coverage
Informational Purposes Only
All content, tools, and calculators on this Website are for general informational purposes only. They do not constitute professional insurance, legal, or financial advice.
No Coverage Bound via Portal Request
Submitting a request for a quote, uploading a document, or requesting a policy change through the Client Center does not bind, alter, or initiate insurance coverage.
Confirmation Required
No insurance policy, coverage addition, or modification will take effect until it is explicitly confirmed, accepted, and processed by a licensed agent of the Agency and the underwriting insurance carrier.
3. NYSDFS Regulation 194 / Compensation Disclosure
Independent Agency Status
As an independent insurance agency, we represent multiple property and casualty insurance carriers to find the right coverage options for you.
Producer Compensation Notice
In accordance with New York State Insurance Regulation 194, our agency may receive compensation from insurance companies for the sale, solicitation, or negotiation of insurance policies. This compensation may vary based on the carrier, the type of policy, and the volume of business we place.
Right to Request Information
You have the right to request information about the compensation our agency expects to receive regarding your policy, as well as any alternative quotes we obtained on your behalf.
4. Geographic Restrictions (New York State Jurisdiction)
Licensing Limitations
The insurance products and services described on this Website are intended primarily for residents and businesses operating within the State of New York.
Availability
We do not represent that the insurance products showcased on this Website are available or appropriate for use in states where we are not actively licensed.
5. Third-Party Carrier Links & Integrations
Carrier Portals
This Website may provide links or plug-in access to third-party insurance carrier platforms (e.g., for direct bill pay or carrier-specific quoting).
No Endorsement
We do not own, control, or monitor these external websites. Your use of third-party carrier links is subject entirely to the terms of use and privacy policies of those specific companies.
6. Intellectual Property
Ownership
All content on this Website—including but not limited to text, graphics, logos, icons, images, tools, and layout—is the property of the Agency or its content suppliers and is protected by U.S. copyright laws.
Prohibited Use
You may not copy, reproduce, distribute, or modify any portion of this Website without our express written consent.
7. Limitation of Liability & Disclaimer of Warranties
"As-Is" Service
This Website and the Client Center are offered on an "as-is" and "as-available" basis without warranties of any kind. We do not warrant that portal access will be completely uninterrupted or error-free.
Liability Cap
To the maximum extent permitted under New York State law, the Agency, its officers, employees, and affiliates will not be liable for any direct, indirect, incidental, or consequential damages arising out of your use, or inability to use, this Website or your portal account. This includes, but is not limited to, system downtime, electronic data loss, or unauthorized account access resulting from weak user passwords.
8. Privacy & Cybersecurity Compliance
Data Protection
Your use of this Website and Client Center is also governed by our Privacy Policy, which details how we handle nonpublic personal financial information in accordance with NYSDFS Cybersecurity Regulation (23 NYCRR 500) and data privacy laws.
9. Governing Law and Jurisdiction
New York Law
These Terms, and any dispute arising from your use of this Website or Client Center, shall be governed by, interpreted, and enforced in accordance with the laws of the State of New York, without regard to conflict of law principles.
Venue
Any legal action regarding these Terms must be filed in a state or federal court located within the State of New York.
10. Changes to These Terms
Right to Modify
We reserve the right to modify these Terms at any time without prior notice. The "Last Updated" date at the top of this page will indicate when changes have been made. Your continued use of the Website or portal constitutes acceptance of the modified Terms.
11. Contact Information
If you have any questions regarding these Terms, your portal account, or if you need to request a formal Regulation 194 compensation disclosure, please contact us at
LINDEN PROPERTY AND CASUALTY LLC
Mailing Address: PO BOX 153 LINDENHURST NY 11757
Phone Number: (631) 741-7411
Email Address: ALI@LINDENPROPERTYANDCASUALTY.COM