:root {
--blue: #1176AF;
--sky: #39ADE0;
--navy: #10293A;
--ink: #17242E;
--body: #3E4C57;
--muted: #64737E;
--wash: #EDF5FA;
--paper: #FFFFFF;
--hairline: #D8E3EA;
--hairline-soft: #E7EFF4;
--sans: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
--ease: cubic-bezier(.25,.75,.3,1);
--shadow: 0 12px 34px rgba(16, 41, 58, .12);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
margin: 0;
font-family: var(--sans);
font-size: 16.5px;
line-height: 1.7;
color: var(--body);
background: var(--paper);
}
button, input, select, textarea, optgroup { font-family: var(--sans); }
img { max-width: 100%; height: auto; display: block; }
::placeholder { color: hsl(205 15% 45% / 0.25); }
h1, h2, h3, h4 {
color: var(--navy);
font-weight: 700;
letter-spacing: -0.015em;
line-height: 1.12;
margin: 0 0 .45em;
}
h1 { font-size: clamp(1.9rem, 4.6vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); }
h3 { font-size: 1.18rem; }
p { margin: 0 0 1em; }
a { color: var(--blue); }
.wrap { max-width: 1160px; margin-inline: auto; padding-inline: clamp(20px, 4vw, 40px); }
.kicker {
font-size: .78rem;
font-weight: 650;
letter-spacing: .14em;
text-transform: uppercase;
color: var(--blue);
margin: 0 0 12px;
}
.kicker.on-dark { color: var(--sky); }
.lede { font-size: clamp(1.04rem, 1.5vw, 1.18rem); line-height: 1.65; }
.num { font-variant-numeric: tabular-nums; }
.skip-link {
position: absolute; left: -999px; top: 8px; z-index: 200;
background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 3px;
}
.skip-link:focus { left: 8px; }
.btn {
display: inline-block;
background: var(--blue);
color: #fff;
font-weight: 640;
font-size: .98rem;
text-decoration: none;
padding: 13px 26px;
border: 0;
border-radius: 3px;
cursor: pointer;
transition: background .25s var(--ease), box-shadow .25s var(--ease);
}
.btn:hover { background: var(--navy); box-shadow: var(--shadow); }
.btn-invert { background: #fff; color: var(--navy); }
.btn-invert:hover { background: var(--wash); color: var(--navy); box-shadow: none; }
.btn-quiet { background: transparent; color: var(--navy); box-shadow: inset 0 0 0 1.5px var(--hairline); }
.btn-quiet:hover { background: var(--wash); box-shadow: inset 0 0 0 1.5px var(--sky); }
.util-bar { background: var(--navy); color: #C6DCEA; font-size: .84rem; }
.util-in { display: flex; align-items: center; gap: 22px; min-height: 38px; }
.util-in a { color: #fff; text-decoration: none; font-weight: 550; }
.util-in a:hover { color: var(--sky); }
.util-in .sep { opacity: .35; }
.util-right { margin-left: auto; display: flex; gap: 22px; }
@media (max-width: 720px) { .util-hide { display: none; } }
.site-header {
position: sticky; top: 0; z-index: 100;
background: var(--navy);
border-bottom: 1px solid rgba(255,255,255,.10);
}
.header-in { display: flex; align-items: center; gap: 20px; min-height: 72px; }
.brand { display: flex; align-items: center; flex: none; }
.brand-logo { width: auto; height: 34px; }
.nav { display: flex; align-items: center; gap: clamp(14px, 2vw, 26px); margin-left: auto; }
.nav a {
font-size: 14px; letter-spacing: -0.01em; font-weight: 560; color: #D7E6F0;
text-decoration: none; padding: 6px 0;
border-bottom: 2px solid transparent;
transition: border-color .25s var(--ease), color .25s var(--ease);
}
.nav a:hover { color: #fff; border-bottom-color: var(--sky); }
body[data-page="home"] .nav a[data-nav="home"],
body[data-page="domestic"] .nav a[data-nav="domestic"],
body[data-page="business"] .nav a[data-nav="business"],
body[data-page="industries"] .nav a[data-nav="industries"],
body[data-page="claims"] .nav a[data-nav="claims"],
body[data-page="about"] .nav a[data-nav="about"],
body[data-page="contact"] .nav a[data-nav="contact"] { border-bottom-color: var(--sky); color: #fff; }
.nav a.btn-nav { color: #fff; border-bottom: 0; padding: 11px 18px; font-size: .9rem; background: var(--blue); }
.nav a.btn-nav:hover { color: #fff; background: var(--sky); }
.call-mini { display: none; }
.nav-toggle { display: none; }
@media (max-width: 960px) {
.header-in { min-height: 60px; gap: 12px; }
.brand-logo { height: 28px; }
.call-mini {
display: inline-flex; align-items: center; justify-content: center;
width: 44px; height: 44px; margin-left: auto;
color: #fff; border: 1.5px solid rgba(255,255,255,.32); border-radius: 3px;
}
.nav-toggle {
display: inline-flex; align-items: center; justify-content: center;
width: 44px; height: 44px; background: none; border: 1.5px solid rgba(255,255,255,.32);
border-radius: 3px; cursor: pointer;
}
.bars, .bars::before, .bars::after {
content: ''; display: block; width: 18px; height: 2px; background: #fff;
position: relative; transition: transform .25s var(--ease), opacity .25s var(--ease);
}
.bars::before { position: absolute; top: -6px; }
.bars::after { position: absolute; top: 6px; }
.nav-open .bars { transform: rotate(45deg); }
.nav-open .bars::before { transform: rotate(90deg); top: 0; }
.nav-open .bars::after { opacity: 0; }
.nav {
position: absolute; top: 100%; left: 0; right: 0;
flex-direction: column; align-items: stretch; gap: 0;
background: #fff; border-bottom: 1px solid var(--hairline);
box-shadow: 0 18px 30px rgba(16, 41, 58, .14);
padding: 8px 24px 20px; display: none;
}
.nav-open .nav { display: flex; }
.nav a { padding: 13px 2px; border-bottom: 1px solid var(--hairline-soft); font-size: 16px; letter-spacing: normal; color: var(--ink); }
.nav a:hover { border-bottom-color: var(--hairline-soft); color: var(--blue); }
body[data-page] .nav a[data-nav] { color: var(--ink); border-bottom-color: var(--hairline-soft); }
.nav a.btn-nav { margin-top: 14px; text-align: center; padding: 15px 22px; }
body[data-page] .nav a.btn-nav { color: #fff; }
}
.section { padding-block: clamp(58px, 8vw, 100px); }
.section-tint { background: var(--wash); }
.section-head { max-width: 760px; margin-bottom: clamp(26px, 4vw, 46px); }
.rv { opacity: 0; transform: translateY(14px); transition: opacity .55s var(--ease), transform .55s var(--ease); }
.rv.in { opacity: 1; transform: none; }
.no-js .rv { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .rv { opacity: 1; transform: none; transition: none; } }
.hero { background: linear-gradient(168deg, var(--navy) 0%, #163A52 60%, #1B4A68 100%); color: #C9DEEC; position: relative; overflow: hidden; }
.hero::after {
content: ''; position: absolute; inset: auto -10% -55% -10%; height: 75%;
background:
radial-gradient(58% 100% at 30% 100%, rgba(57,173,224,.16) 0%, transparent 70%),
radial-gradient(50% 90% at 75% 100%, rgba(57,173,224,.10) 0%, transparent 70%);
pointer-events: none;
}
.hero-in { position: relative; padding-block: clamp(58px, 9vw, 118px); max-width: 780px; }
.hero h1 { color: #fff; }
.hero .lede { color: #C9DEEC; max-width: 56ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 26px; align-items: center; }
.hero-points { display: flex; flex-wrap: wrap; gap: 8px 26px; margin-top: 34px; padding: 0; list-style: none; font-size: .9rem; color: #A9C8DC; }
.hero-points li { display: flex; gap: 8px; align-items: baseline; }
.hero-points .tick { color: var(--sky); }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.why-card { background: #fff; border-left: 3px solid var(--sky); box-shadow: var(--shadow); padding: 24px 22px; }
.why-card h3 { font-size: 1.02rem; margin-bottom: .35em; }
.why-card p { margin: 0; font-size: .93rem; color: var(--muted); }
@media (max-width: 960px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }
.cover-tabs { display: flex; gap: 10px; margin-bottom: 22px; flex-wrap: wrap; }
.cover-tab {
font: inherit; font-weight: 640; font-size: .95rem; color: var(--navy);
background: #fff; border: 1.5px solid var(--hairline); border-radius: 3px;
padding: 10px 22px; cursor: pointer; transition: all .25s var(--ease);
}
.cover-tab[aria-selected="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.cover-panel[hidden] { display: none; }
.cover-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.cover-card {
background: #fff; border: 1px solid var(--hairline); border-radius: 3px;
padding: 20px 20px 16px; text-decoration: none; color: var(--body);
display: flex; flex-direction: column; gap: 6px;
transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
}
.cover-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--sky); }
.cover-card h3 { margin: 0; font-size: 1.02rem; }
.cover-card p { margin: 0; font-size: .9rem; color: var(--muted); flex: 1; }
.cover-card .more { font-size: .86rem; font-weight: 620; color: var(--blue); }
@media (max-width: 960px) { .cover-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .cover-grid { grid-template-columns: 1fr; } }
.cover-grid.grid-20 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 700px) { .cover-grid.grid-20 { grid-template-columns: 1fr; } }
.page-head { padding-top: clamp(40px, 6vw, 72px); padding-bottom: clamp(8px, 2vw, 22px); }
.crumb { font-size: .84rem; color: var(--muted); margin: 0 0 14px; }
.crumb a { color: var(--muted); text-decoration: none; }
.crumb a:hover { color: var(--blue); }
.prod-layout {
display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr);
gap: clamp(28px, 5vw, 60px); align-items: start;
padding-block: clamp(22px, 3.5vw, 48px);
}
@media (max-width: 880px) { .prod-layout { grid-template-columns: 1fr; } }
.prod-aside { position: sticky; top: 128px; display: grid; gap: 18px; }
@media (max-width: 880px) { .prod-aside { position: static; } }
.aside-card { background: var(--wash); border-radius: 3px; padding: 22px 22px 20px; }
.aside-card h3 { font-size: .98rem; }
.aside-card p { font-size: .92rem; margin-bottom: .6em; }
.aside-card .btn { width: 100%; text-align: center; }
.aside-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 7px; font-size: .92rem; }
.aside-links a { color: var(--body); text-decoration: none; }
.aside-links a:hover { color: var(--blue); text-decoration: underline; }
.aside-links .here { font-weight: 650; color: var(--navy); }
.covers { list-style: none; margin: 16px 0 22px; padding: 0; display: grid; gap: 9px; }
.covers li { padding-left: 26px; position: relative; overflow-wrap: anywhere; }
.covers li::before {
content: ''; position: absolute; left: 0; top: .5em;
width: 13px; height: 13px; border-radius: 2px;
background: var(--wash); box-shadow: inset 0 0 0 4px var(--sky);
}
.note-box {
background: var(--wash); border-left: 3px solid var(--blue);
padding: 14px 18px; font-size: .95rem; margin: 18px 0;
}
.limit-table { width: 100%; border-collapse: collapse; margin: 16px 0 22px; font-size: .95rem; }
.limit-table th, .limit-table td { border: 1px solid var(--hairline); padding: 11px 14px; text-align: left; vertical-align: top; }
.limit-table th { background: var(--wash); font-weight: 650; color: var(--navy); }
.limit-table td:first-child { font-weight: 650; white-space: nowrap; }
@media (max-width: 560px) {
.limit-table, .limit-table tbody, .limit-table tr, .limit-table td { display: block; }
.limit-table thead { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.limit-table tr { border: 1px solid var(--hairline); margin-bottom: 10px; }
.limit-table td { border: 0; }
.limit-table td:first-child { background: var(--wash); color: var(--navy); }
.limit-table td + td::before { content: attr(data-th); display: block; font-size: .8rem; color: var(--muted); margin-bottom: 3px; }
}
.prod-img {
display: block; width: 100%; height: auto; margin: 20px 0;
border-radius: 3px; border: 1px solid var(--hairline);
}
.prod-img-narrow { max-width: 420px; margin-left: auto; margin-right: auto; }
.quick-quote p { margin-bottom: 0; }
.quick-quote-note { font-size: .88rem; margin-top: 8px; color: var(--muted); }
.quick-quote-alt { margin-top: 10px; font-size: .95rem; }
.insurer-wall { --per: 5; --gap: 12px; display: grid; grid-template-columns: repeat(var(--per), minmax(0, 1fr)); gap: var(--gap); list-style: none; margin: 0; padding: 0; }
.insurer-wall li { position: relative; width: 100%; max-width: 230px; aspect-ratio: 230 / 140; justify-self: center; background: var(--paper); border: 1px solid var(--hairline); border-radius: 3px; transition: border-color .25s var(--ease), box-shadow .25s var(--ease); }
.insurer-wall li.on-dark { background: #000; border-color: #000; }
.insurer-wall img { position: absolute; inset: 0; margin: auto; width: auto; height: auto; max-width: calc(100% - 32px); max-height: calc(100% - 28px); object-fit: contain; }
@media (hover: hover) { .insurer-wall li:hover { border-color: var(--sky); box-shadow: var(--shadow); } }
@media (max-width: 960px) { .insurer-wall { --per: 3; } }
@media (max-width: 560px) { .insurer-wall { --per: 2; --gap: 10px; } .insurer-wall img { max-width: calc(100% - 24px); max-height: calc(100% - 20px); } }
.insurer-carousel.is-live .insurer-wall { display: flex; align-items: flex-start; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding: 4px 0 18px; }
.insurer-carousel.is-live .insurer-wall::-webkit-scrollbar { display: none; }
.insurer-carousel.is-live .insurer-wall li { flex: 0 0 calc((100% - (var(--per) - 1) * var(--gap)) / var(--per)); max-width: none; scroll-snap-align: start; }
.insurer-controls { display: flex; justify-content: center; gap: 10px; margin-top: 6px; }
.insurer-controls[hidden] { display: none; }
.insurer-btn { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; padding: 0; border: 1.5px solid var(--hairline); border-radius: 50%; background: #fff; color: var(--navy); cursor: pointer; transition: border-color .25s var(--ease), color .25s var(--ease); }
.insurer-btn:hover { border-color: var(--blue); color: var(--blue); }
.insurer-btn:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.insurer-btn .i-play, .insurer-btn[data-paused] .i-pause { display: none; }
.insurer-btn[data-paused] .i-play { display: block; }
.team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; max-width: 880px; }
.team-card { background: #fff; border-left: 3px solid var(--blue); box-shadow: var(--shadow); padding: 26px 26px 22px; }
.team-card h3 { margin-bottom: .1em; }
.team-card .role { color: var(--blue); font-weight: 620; font-size: .92rem; margin: 0 0 12px; }
.team-card ul { margin: 0; padding-left: 18px; font-size: .94rem; display: grid; gap: 5px; }
.team-head { display: flex; align-items: center; gap: 18px; margin-bottom: 12px; }
.team-head > div { min-width: 0; }
.team-photo { flex: none; width: 92px; height: 113px; object-fit: cover; object-position: center 22%; border-radius: 3px; border: 1px solid var(--hairline); }
@media (max-width: 720px) { .team-grid { grid-template-columns: 1fr; } }
.cta-band { background: var(--navy); color: #C9DEEC; position: relative; overflow: hidden; }
.cta-band::after {
content: ''; position: absolute; inset: auto -10% -60% -10%; height: 80%;
background: radial-gradient(55% 100% at 50% 100%, rgba(57,173,224,.14) 0%, transparent 70%);
pointer-events: none;
}
.cta-in { position: relative; padding-block: clamp(54px, 7vw, 88px); max-width: 700px; }
.cta-band h2 { color: #fff; }
.cta-alt { font-size: .92rem; margin-top: 18px; color: #9DBDD2; }
.cta-alt a { color: #fff; }
.contact-grid {
display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr);
gap: clamp(28px, 5vw, 60px); align-items: start;
}
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; } }
.detail-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; }
.detail-list .lbl {
display: block; font-size: .76rem; font-weight: 650; letter-spacing: .13em;
text-transform: uppercase; color: var(--muted); margin-bottom: 3px;
}
.detail-list a { color: var(--navy); text-decoration: none; font-weight: 630; font-size: 1.1rem; overflow-wrap: anywhere; }
.detail-list a:hover { color: var(--blue); }
.detail-list .val { color: var(--ink); }
.detail-list .sub { font-size: .85rem; color: var(--muted); }
.form-card {
background: #fff; border: 1px solid var(--hairline); border-radius: 3px;
box-shadow: var(--shadow); padding: clamp(24px, 3.4vw, 38px);
}
.form-fields { display: grid; gap: 15px; }
.field label { display: block; font-size: .88rem; font-weight: 620; color: var(--navy); margin-bottom: 6px; }
.field input, .field select, .field textarea {
width: 100%; font: inherit; color: var(--ink);
border: 1.5px solid var(--hairline); border-radius: 3px;
padding: 11px 13px; background: #fff;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
outline: none; border-color: var(--sky); box-shadow: 0 0 0 3px rgba(57, 173, 224, .22);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.form-note { font-size: .82rem; color: var(--muted); margin: 4px 0 0; }
.lead-msg { border-radius: 3px; padding: 14px 16px; margin-bottom: 16px; font-size: .95rem; }
.lead-ok { background: var(--wash); color: var(--navy); border: 1px solid var(--sky); }
.lead-err { background: #FBEFEF; color: #7C2D2D; border: 1px solid #E4B8B8; }
.site-footer { background: var(--navy); color: #A9C4D6; border-top: 1px solid rgba(255,255,255,.10); font-size: .93rem; }
.footer-grid {
display: grid; grid-template-columns: 1.35fr 1.1fr 1.1fr .95fr;
gap: clamp(24px, 4vw, 52px); padding-block: clamp(36px, 5vw, 58px);
}
.footer-brand img { height: 40px; width: auto; }
.footer-tag { margin-top: 14px; color: #DCEAF3; font-weight: 550; line-height: 1.5; font-size: .95rem; }
@media (min-width: 881px) { .footer-tag { max-width: 16em; } }
.footer-h {
font-size: .76rem; font-weight: 650; letter-spacing: .13em; text-transform: uppercase;
color: #7FA3BA; margin: 4px 0 12px;
}
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; font-size: .89rem; overflow-wrap: anywhere; }
.footer-links a { color: #C9DEEC; text-decoration: none; }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.footer-docs { margin-top: 16px; font-size: .89rem; gap: 7px; line-height: 1.45; }
.footer-biz { font-size: .89rem; gap: 5px; line-height: 1.45; }
.footer-compliance {
border-top: 1px solid rgba(255,255,255,.12); padding-block: 20px;
font-size: .82rem; color: #8FAFC4; line-height: 1.6;
}
.footer-compliance p { margin: 0 0 6px; }
.general-advice { margin: 0 0 18px; line-height: 1.7; }
.general-advice p { margin: 0; }
.general-advice .general-advice-h { font-weight: 700; margin: 0 0 4px; }
.compliance-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px 28px; }
.compliance-row > p { flex: 1 1 340px; }
.partner-logos { display: flex; align-items: center; gap: 12px; }
.partner-tile { display: flex; align-items: center; background: #fff; border-radius: 7px; padding: 7px 11px; }
.partner-tile img { display: block; height: 38px; width: auto; }
.footer-base { border-top: 1px solid rgba(255,255,255,.12); padding-block: 16px; font-size: .82rem; color: #7FA3BA; }
.footer-base p { margin: 0; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.pending-compliance {
background: #FFF4D6; border: 1.5px dashed #C79A2A; color: #6B5210;
padding: 10px 14px; border-radius: 3px; font-size: .84rem; margin-top: 10px;
}
.lost { text-align: center; padding-block: clamp(80px, 12vw, 140px); }
.hero .rv { opacity: 1; transform: none; transition: none; animation: hero-enter .55s ease both; }
@keyframes hero-enter { from { transform: translateY(16px); } }
@media (prefers-reduced-motion: reduce) { .hero .rv { animation: none; } }
.claim-tiles { display: grid; grid-template-columns: 1fr; gap: 14px; margin-top: 18px; }
@media (min-width: 560px) { .claim-tiles { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .claim-tiles { grid-template-columns: repeat(3, 1fr); } }
.claim-tile {
display: flex; align-items: center;
font: inherit; font-weight: 620; font-size: .98rem; line-height: 1.3;
text-align: left; color: var(--navy);
background: #fff; border: 0; border-radius: 3px;
box-shadow: inset 0 0 0 1.5px var(--hairline);
padding: 18px; cursor: pointer;
transition: background .25s var(--ease), box-shadow .25s var(--ease), color .25s var(--ease);
}
.claim-tile:hover { background: var(--wash); box-shadow: inset 0 0 0 1.5px var(--sky); }
.claim-tile:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.claim-tile[aria-pressed="true"] { background: var(--blue); color: #fff; box-shadow: inset 0 0 0 1.5px var(--blue); }
.claim-tile[aria-pressed="true"]:hover { background: var(--navy); box-shadow: inset 0 0 0 1.5px var(--navy); }
.claims-intro a { overflow-wrap: anywhere; }
.claim-panel { margin-top: clamp(26px, 3vw, 38px); scroll-margin-top: 90px; }
.claim-panel > h3 { margin-bottom: .4em; }
.iw {
--iw-accent: var(--blue);
--iw-accent-contrast: #fff;
--iw-line: var(--hairline);
--iw-soft: var(--wash);
--iw-radius: 3px;
--iw-error: #7C2D2D;
}