1. Use of the Website
This Site is provided for general informational purposes about our insurance products and services. You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that could damage, disable, overburden, or impair the Site or interfere with any other party’s use of it.
2. No Guarantee of Insurance Coverage
Use of this Site does not create an insurance policy, contract, agent-client relationship, or guarantee of coverage. Insurance coverage is not bound, confirmed, or modified until issued by an authorized insurance carrier and acknowledged in writing by an authorized representative of Frederick Insurance Group. Quotes provided through online forms or email are estimates only and are subject to underwriting approval.
3. Accuracy of Information
We make reasonable efforts to ensure that information on the Site is accurate and up to date; however, we do not guarantee its completeness, accuracy, or applicability to your situation. Insurance laws, rates, and requirements vary over time and by jurisdiction. You are responsible for verifying all information before relying upon it.
4. Privacy and Data Collection
Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of your information as described in the Privacy Policy.
5. Intellectual Property Rights
All content on this Site—including text, graphics, logos, images, icons, downloads, and software—is the property of Frederick Insurance Group or its content providers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or republish any content without our prior written consent.
6. Third-Party Websites and Links
The Site may contain links to third-party websites for your convenience. These links do not imply endorsement, and we are not responsible for the content, policies, or practices of any linked website. Access to third-party sites is at your own risk.
7. Online Submissions
Any information you submit through the Site—such as quote requests, contact forms, or policy inquiries—must be accurate and truthful. By submitting information, you authorize Frederick Insurance Group to contact you using the methods you provide (including email, phone, or text) for the purpose of providing insurance-related information or services.
8. Disclaimer of Warranties
This Site and all content are provided “as is” and “as available,” without any warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses. To the fullest extent allowed by law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of Liability
To the maximum extent permitted by law, Frederick Insurance Group and its owners, employees, partners, and affiliates shall not be liable for any damages—including but not limited to direct, indirect, incidental, consequential, or punitive damages—arising out of or related to your use of the Site or reliance on its content.
10. Indemnification
You agree to indemnify, defend, and hold harmless Frederick Insurance Group and its representatives from and against any claims, liabilities, damages, losses, or expenses resulting from your use of the Site or your violation of these Terms.
11. No Professional Advice
Content found on this Site is provided for general educational purposes only and does not constitute insurance, legal, financial, tax, or professional advice. Always consult an authorized agent or qualified professional regarding your specific situation.
12. Changes to the Terms
We reserve the right to update or modify these Terms at any time without prior notice. The most current version will always be posted on this page, and your continued use of the Site constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflicts of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Tennessee.
1. Use of the Website
This Site is provided for general informational purposes about our insurance products and services. You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that could damage, disable, overburden, or impair the Site or interfere with any other party’s use of it.
2. No Guarantee of Insurance Coverage
Use of this Site does not create an insurance policy, contract, agent-client relationship, or guarantee of coverage. Insurance coverage is not bound, confirmed, or modified until issued by an authorized insurance carrier and acknowledged in writing by an authorized representative of Frederick Insurance Group. Quotes provided through online forms or email are estimates only and are subject to underwriting approval.
3. Accuracy of Information
We make reasonable efforts to ensure that information on the Site is accurate and up to date; however, we do not guarantee its completeness, accuracy, or applicability to your situation. Insurance laws, rates, and requirements vary over time and by jurisdiction. You are responsible for verifying all information before relying upon it.
4. Privacy and Data Collection
Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of your information as described in the Privacy Policy.
5. Intellectual Property Rights
All content on this Site—including text, graphics, logos, images, icons, downloads, and software—is the property of Frederick Insurance Group or its content providers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or republish any content without our prior written consent.
6. Third-Party Websites and Links
The Site may contain links to third-party websites for your convenience. These links do not imply endorsement, and we are not responsible for the content, policies, or practices of any linked website. Access to third-party sites is at your own risk.
7. Online Submissions
Any information you submit through the Site—such as quote requests, contact forms, or policy inquiries—must be accurate and truthful. By submitting information, you authorize Frederick Insurance Group to contact you using the methods you provide (including email, phone, or text) for the purpose of providing insurance-related information or services.
8. Disclaimer of Warranties
This Site and all content are provided “as is” and “as available,” without any warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses. To the fullest extent allowed by law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of Liability
To the maximum extent permitted by law, Frederick Insurance Group and its owners, employees, partners, and affiliates shall not be liable for any damages—including but not limited to direct, indirect, incidental, consequential, or punitive damages—arising out of or related to your use of the Site or reliance on its content.
10. Indemnification
You agree to indemnify, defend, and hold harmless Frederick Insurance Group and its representatives from and against any claims, liabilities, damages, losses, or expenses resulting from your use of the Site or your violation of these Terms.
11. No Professional Advice
Content found on this Site is provided for general educational purposes only and does not constitute insurance, legal, financial, tax, or professional advice. Always consult an authorized agent or qualified professional regarding your specific situation.
12. Changes to the Terms
We reserve the right to update or modify these Terms at any time without prior notice. The most current version will always be posted on this page, and your continued use of the Site constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflicts of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Tennessee.
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