This policy (the "Policy") is made and entered into by and between BlackRose Insurance (the "Insurer") and the policyholder (the "Policyholder").

  1. Coverage The Insurer agrees to provide insurance coverage to the Policyholder for the risks specified in this Policy. The coverage provided is subject to the terms, conditions, and exclusions set forth in this Policy.

  2. Policy Term The Policy term shall begin on the effective date and continue until the expiration date unless terminated earlier in accordance with the terms of this Policy.

  3. Premium Payments The Policyholder agrees to pay the premiums specified in this Policy in a timely manner. Failure to make timely payments may result in the cancellation of this Policy or other penalties as provided by law.

  4. Coverage Limits The coverage limits provided by this Policy are as specified in the declarations page. The Insurer's liability for any covered loss shall not exceed the applicable coverage limit.

  5. Exclusions This Policy does not cover losses caused by events or circumstances that are specifically excluded. The exclusions are set forth in the Policy and may include, but are not limited to, intentional acts, war, nuclear hazards, and fraudulent or criminal activities.

  6. Deductibles The Policy may require the Policyholder to pay a deductible before the Insurer's obligation to pay for a covered loss is triggered. The amount of the deductible will be specified in the Policy.

  7. Notice of Loss The Policyholder must notify the Insurer of any loss or damage covered by this Policy as soon as reasonably possible. Failure to provide timely notice may result in the denial of coverage.

  8. Policy Termination This Policy may be terminated by either the Insurer or the Policyholder in accordance with the terms set forth in the Policy.

  9. Governing Law This Policy shall be governed by and construed in accordance with the laws of the jurisdiction in which the Policyholder is located.

  10. Entire Agreement This Policy constitutes the entire agreement between the parties and supersedes all prior agreements, negotiations, or understandings, whether written or oral, relating to the subject matter of this Policy.


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BlackRose Insurance is a subsidiary of BlackRose Finance. As a subsidiary, BlackRose Insurance is a separate legal entity that is owned and controlled by BlackRose Finance. While the two companies may collaborate and share resources, they operate as distinct entities with their own management teams, operations, and financial statements. Therefore, BlackRose Finance owns BlackRose Insurance, and the latter operates as a wholly-owned subsidiary of BlackRose Finance

Since 1998