Revised: January 15, 2023
Enrollment
To receive your insurance-related documents by electronic delivery instead of by mail, you must enroll in Kingstone’s Electronic Delivery of Documents Program (“Kingstone Paperless”). By enrolling in Kingstone Paperless, you confirm that you have read and agreed to the terms and conditions of Kingstone Paperless. You represent that you are a named insured on the policy and billing account and that you have the authority to elect participation in Kingstone Paperless. Only one named insured’s affirmative consent is required to enroll in Kingstone Paperless, regardless of the number of named insureds on the policy or billing account.
By enrolling a policy or billing account in Kingstone Paperless, you agree to receive policy documents or billing documents by electronic delivery instead of by mail. Policy and billing documents include any renewal, continuation, replacement, change, or re-write of the enrolled policy. This includes cancellation, nonrenewal, conditional renewal, renewal with altered terms, and premium increase notices where permitted by state law. Your consent to Kingstone Paperless will remain in effect and will apply to all future renewals, continuations, replacements, re-writes and changes to any policy or billing account, regardless of whether the policy number or billing account number changes unless (1) you withdraw your consent in accordance with the terms and conditions, or (2) we terminate Kingstone Paperless, your enrollment in Kingstone Paperless, or the enrollment of a policy or billing account in Kingstone Paperless. Kingstone is not liable for any loss, liability, cost, expense, or claim arising out of your enrollment in Kingstone Paperless or your election to receive documents by electronic delivery.
Documents Provided by Kingstone Paperless
Policy documents and billing documents may be provided under Kingstone Paperless.
'Policy documents' include:
'Billing documents' include:
Your consent to Kingstone Paperless applies to documents that are currently available for electronic delivery as well as to documents that may become available for electronic delivery in the future. Documents that are currently not available for electronic delivery will be provided by mail until they become available for electronic delivery.
Electronic Delivery
Electronic delivery of documents means Kingstone will send the documents by email, or in an attachment to an email, or send a notice by email that the document is available for you to view on a website. You may be required to create a username and password to access the website and view the documents. We will determine whether to email you the document or whether to send you a notice that the document is ready to view online. We will send the document to the email address we have on record for you. If we have reason to believe that our email delivery of a document or notice was not successful, we will either mail you the document, or mail you a notice, informing you that your document is available to view online. At certain times or for certain documents, Kingstone reserves the right to choose to mail the documents instead of or in addition to delivering them electronically. Any document sent electronically is considered to be delivered when it is sent regardless of whether you open or view the document. Mailed documents, will be sent to the address shown on the declarations page.
Designation of Email Address
At the time you enroll a policy or billing account in Kingstone Paperless, you will be required to designate an email address. We will use this email address for electronic delivery of the documents you have elected to receive via Kingstone Paperless. The email address must belong to a named insured on the policy or billing account who has authority to receive the electronic documents. You may change or update an email address by contacting your broker's office to update the policy email address or by calling our customer service number at 1-800-364-7045. It is your responsibility to notify us of any changes or updates to an email address. You are responsible for ensuring that we have the correct email address on file. Kingstone will not be liable for any loss, liability, cost, expense, or claim arising out of an incorrect email address.
Withdrawing Consent
Participation in Kingstone Paperless is voluntary. You may withdraw your consent to participate in Kingstone Paperless by changing your delivery preference back to delivery by mail. This may be accomplished by logging in to the insured portal on our website at www.insured.kingstoneinsurance.com/login.asp and updating your preference or by calling our customer service number at 1-800-364-7045. You will need to affirm your change for delivery preference for each policy and billing account. If a discount has been given for participation in Kingstone Paperless, withdrawal from Kingstone Paperless could result in the removal of any such discount.
Timing of Enrollment, Changes, or Withdrawal
Processing your enrollment, changes to an email address, or withdrawal from Kingstone Paperless will take a period of time. We will send documents to you by mail until we process your enrollment. Changes to an email address or requests to withdraw from Kingstone Paperless are not effective until we process the change. We will continue to send documents to the email address on record until any change becomes effective.
Hardware and Software Requirements
In order to access, view, and retain the documents we send to you electronically, you will need:
By enrolling in Kingstone Paperless, you acknowledge that you have the minimum hardware and software requirements listed in this section. Kingstone does not warrant that the delivery of electronic documents will be uninterrupted or error free. We are not liable for: any loss or damage arising from problems with your equipment or your telecommunications provider; your failure to meet your responsibilities as outlined herein; or any equipment problems or other occurrences beyond our reasonable control.
Termination by Kingstone
Kingstone may terminate your Kingstone Paperless enrollment at any time. If your enrollment is terminated, we will mail all policy or billing account documents to the named insured at the address shown on the declarations page of the policy.
Modifications
Kingstone may modify the terms and conditions of Kingstone Paperless from time to time, without your consent. When we do, we will provide you with the modified terms and conditions by electronic delivery and post them on our website at
www.insured.kingstoneinsurance.com/login.asp. If you do not agree to the terms and conditions at any time, you may withdraw consent for participation in Kingstone Paperless.
Paper Documents
You can print any written communications from your Kingstone Paperless account. You may also request a paper copy of your documents at any time at no additional charge by calling our customer service number at 1-800-364-7045.
