Terms of Service | Huff Insurance
Terms of Service last Updated: January 2026
These Terms of Service (“Terms”) govern your use of the Huff Insurance website (“Website”). By accessing or using this Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. About Huff Insurance
Huff Insurance is an independent insurance agency. We provide insurance products and services through licensed insurance professionals and insurance carriers. This Website is intended to provide general information about our agency and the types of insurance products we may offer.
2. Acceptance of Terms of Service
By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any applicable laws and regulations.
3. Permitted Use of the Website
You may use this Website only for lawful purposes and for your own personal or business use related to learning about our services or requesting information.
You agree not to:
- Use the Website for any unlawful or fraudulent purpose
- Attempt to gain unauthorized access to the Website or its systems
- Interfere with the operation, security, or functionality of the Website
- Upload or transmit viruses, malware, or harmful code
Huff Insurance reserves the right to restrict or terminate access to the Website at any time if these Terms are violated.
4. No Offer or Guarantee of Insurance
Information provided on this Website is for general informational purposes only. Nothing on this Website constitutes:
- An offer to sell insurance
- A solicitation to buy insurance
- A guarantee of coverage, pricing, or eligibility
Insurance coverage is subject to underwriting approval and the terms, conditions, limitations, and exclusions of the policy issued by the insurance company.
5. No Binding of Coverage
Insurance coverage cannot be bound, changed, or cancelled through this Website, including through:
- Online forms
- Quote request submissions
- Emails
- Voicemails
- Text messages
Coverage is only bound when confirmed in writing by a licensed insurance agent and accepted by the insurance carrier.
6. No Professional Advice
The content on this Website is not intended to provide legal, financial, or individualized insurance advice. Insurance needs vary by individual and situation. You should speak directly with a licensed insurance agent regarding your specific coverage needs.
7. Electronic Communications
By using this Website, you acknowledge that:
- Electronic communications may not be secure
- Website submissions and emails may not be received immediately
- Response times cannot be guaranteed
Electronic communications should not be used for time-sensitive insurance matters, including binding, changing, or cancelling coverage.
8. User Submissions
Any information you submit through this Website:
- Does not create an agent-client relationship
- Does not guarantee coverage, pricing, or a response
- Must be accurate and complete to the best of your knowledge
Information submitted may be used to respond to your request or as described in our Privacy Policy.
9. Accuracy of Information
While we make reasonable efforts to keep Website content accurate and up to date, insurance products, laws, and regulations change frequently. Huff Insurance does not guarantee that all content is complete, current, or error-free.
We reserve the right to modify or remove Website content at any time without notice.
10. Licensing and Jurisdiction
Huff Insurance only offers insurance services in states where it is properly licensed. This Website is not intended for use in any jurisdiction where such use would be unlawful.
11. Third-Party Links
This Website may contain links to third-party websites for convenience. Huff Insurance does not control or endorse those websites and is not responsible for their content, availability, or privacy practices.
12. Intellectual Property
All content on this Website, including text, images, graphics, logos, and design elements, is the property of Huff Insurance or its licensors and is protected by applicable intellectual property laws.
Content may not be copied, reproduced, modified, or distributed without prior written permission.
13. Website Availability
Huff Insurance does not guarantee uninterrupted access to the Website and is not responsible for outages, delays, or technical issues beyond its control.
14. Disclaimer of Warranties
This Website and its content are provided “as is” and “as available,” without warranties of any kind, either express or implied.
15. Limitation of Liability
To the fullest extent permitted by law, Huff Insurance will not be liable for any damages arising from or related to the use of this Website, including direct, indirect, incidental, or consequential damages.
16. Indemnification
You agree to indemnify and hold harmless Huff Insurance, its employees, agents, and affiliates from any claims, losses, damages, or expenses arising out of your use of the Website or violation of these Terms.
17. Privacy Policy
Your use of this Website is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.
18. Changes to These Terms of Service
Huff Insurance may update these Terms at any time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the Website indicates acceptance of the revised Terms.
19. Governing Law
These Terms are governed by the laws of the State of Maryland, without regard to conflict of law principles.
20. Contact Information
If you have questions about these Terms of Service, please contact us:
Huff Insurance
8349 Ritchie Hwy
Pasadena, MD 21122
Phone: 410-647-1111
Email: info@huffinsurance.com
