Terms of Service

1. Acceptance of Terms

By accessing and using The P & C Agency website, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Use of Services

Our website provides information about commercial insurance products and services. You agree to use our services only for lawful purposes and in accordance with these terms.

You agree not to:

• Use our services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Transmit any harmful code or malware
• Impersonate any person or entity

3. Insurance Quotes and Policies

Quotes provided through our website are estimates only and are not binding until a formal policy is issued. All insurance policies are subject to underwriting approval and the terms and conditions of the insurance carrier.

We act as an insurance broker and represent multiple insurance carriers. We are not an insurance company and do not underwrite or issue insurance policies directly.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, completeness, or reliability of any information on our website. Insurance coverage details, pricing, and availability are subject to change without notice.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of The P & C Agency or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on our website without our express written permission.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party websites. Your use of third-party websites is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, The P & C Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us for services in the twelve months preceding the claim.

8. Indemnification

You agree to indemnify and hold harmless The P & C Agency, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these terms.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which The P & C Agency is located, without regard to its conflict of law provisions.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at: