Terms of Service

1. Agreement to Terms

By accessing or using B&V Insurance Group's website and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

2. Services Description

B&V Insurance Group provides insurance brokerage and risk management services, including but not limited to:

• Insurance policy quotes and recommendations
• Risk assessment and management services
• Claims assistance and support
• Insurance policy administration
• Consulting services related to insurance matters

3. User Responsibilities

You agree to:

• Provide accurate and complete information when using our services
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services in compliance with all applicable laws and regulations
• Not engage in any activity that could harm our systems or other users

4. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of B&V Insurance Group or its licensors and is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute our content without our express written permission.

5. Disclaimer of Warranties

Our services are provided "as is" without any warranty of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, timely, secure, or error-free. Any insurance coverage is subject to the terms and conditions of the specific policies issued.

6. Limitation of Liability

B&V Insurance Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services. This includes but is not limited to loss of profits, data, or other intangible losses.

7. Insurance Policies

Insurance coverage is subject to the terms, conditions, and exclusions of the specific policies issued by insurance carriers. B&V Insurance Group acts as a broker and does not underwrite insurance policies. All premium quotes are subject to underwriting approval.

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

9. Termination

We reserve the right to terminate or suspend access to our services immediately, without prior notice or liability, for any reason whatsoever, including breach of these Terms of Service.

10. Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of those changes.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

12. Contact Information

For questions about these Terms of Service, please contact us at: