These Terms of Use (“Terms”) govern your access to and use of the HRI Insurance website and any quote request submitted through it. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use the website.
1. No Insurance Advice or Binding Coverage
This website provides general information about insurance products and services. Submitting a quote request does not constitute an offer of insurance, nor does it bind coverage. A quote is not a contract of insurance; coverage becomes effective only when an application is accepted by the issuing carrier and the required premium is paid. We are licensed insurance agents, not attorneys, and nothing on this site should be construed as legal advice.
2. Use of the Website
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use and enjoyment of, this website by any third party. You must not submit false, misleading, or fraudulent information in any quote request.
3. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of HRI Insurance or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or otherwise use any content without our prior written consent.
4. Third-Party Links and Carriers
As an independent agency, we represent multiple insurance carriers. References to specific carriers do not imply endorsement by, or affiliation with, those carriers beyond our appointed agency relationship. This website may contain links to third-party websites; we are not responsible for the content or practices of any linked site.
5. Disclaimer of Warranties
This website is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
6. Limitation of Liability
To the fullest extent permitted by law, HRI Insurance shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website or any quote obtained through it.
7. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
8. Changes to These Terms
We may revise these Terms at any time. Your continued use of the website following any changes constitutes acceptance of the updated Terms.
9. Contact Us
If you have questions about these Terms of Use, please contact us at Quote@hriinsurance.com or call (239) 424-8674.