Acceptance of These Terms
By using the website, the visitor agrees to these terms and the posted Privacy Policy and Insurance Disclaimer. A visitor who does not agree should not use the website.
Informational Purpose
Website content is general information and does not replace policy documents, carrier rules, legal advice, tax advice, financial advice, healthcare advice, underwriting, or a licensed professional’s analysis of a specific situation.
Descriptions of coverage are summaries only. Actual coverage is governed by the issued policy, plan, contract, certificate, endorsements, exclusions, limitations, and applicable law.
Quote Requests Do Not Create Coverage
Submitting a form, sending a message, receiving a quote, or communicating through the website does not create, bind, issue, renew, cancel, replace, or modify insurance coverage.
Coverage begins only after all required application, enrollment, underwriting, documentation, signature, payment, carrier, administrator, and effective-date requirements are completed and formally confirmed.
Existing coverage should not be canceled until replacement coverage has been approved and its effective date is confirmed.
Accuracy of Information
Visitors are responsible for providing complete and accurate information. Incomplete, outdated, or incorrect information may affect eligibility, pricing, underwriting, timing, coverage, or the ability to provide a quote.
Rock Bridge Insurance may request clarification or additional documentation.
No Guarantees
The website does not guarantee savings, pricing, eligibility, approval, availability, response time, carrier selection, product terms, coverage outcome, or claims payment.
Examples, case studies, or personal experiences do not predict another person’s or business’s result.
Permitted Use
Visitors may use the website for lawful personal or business insurance inquiries.
Visitors may not interfere with website operation, attempt unauthorized access, submit malicious code, impersonate another person, scrape protected content, misuse forms, or submit information they are not authorized to provide.
Sensitive Information
Visitors must follow the posted instructions concerning sensitive information. Ordinary email and general contact forms should not be used for Social Security numbers, driver’s-license numbers, banking data, passwords, medical records, payroll files, employee census files, payment information, or detailed claims records.
Third-Party Tools and Links
Forms, analytics, hosting, maps, CRM systems, carrier sites, administrator sites, enrollment platforms, and other tools may be operated by third parties.
Rock Bridge Insurance is not responsible for the availability, security, content, terms, or privacy practices of a third-party service beyond obligations imposed by applicable law and contract.
Intellectual Property
Website text, design, graphics, logos, code, and other content may be protected by intellectual-property rights.
No content may be copied, republished, sold, modified, or used commercially without permission except as allowed by law.
Claims and Emergencies
The website contact form is not an emergency channel and should not be relied on as immediate notice of a claim, loss, cancellation request, payment, or urgent policy change.
Use the claims or service instructions provided by the applicable insurer or policy documents.
Website Availability
The website is provided on an as-available basis to the extent permitted by law.
Changes and Termination
Rock Bridge Insurance may update, suspend, restrict, or discontinue website content or features. The terms may be revised, and continued use after publication of revised terms constitutes acceptance to the extent permitted by law.
Contact
Questions about these terms may be directed to [email protected] or 573-303-6773.