Terms & Conditions

Welcome to Harbour Sheild Insurance (“Harbour Sheild,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree with any portion of these terms, you should discontinue use of this website immediately.

1. Website Use

This website is intended solely for informational purposes. By using this website, you agree to do so lawfully and in accordance with these Terms & Conditions. You agree not to:

• Use the website in violation of any applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to website systems, networks, databases, or protected information
• Copy, modify, distribute, reproduce, or otherwise misuse website content without prior written authorization

2. No Insurance Coverage Created

The use of this website does not create an insurance policy, insurance binder, contractual agreement, or guarantee of coverage. Insurance products are subject to underwriting review, carrier approval, policy terms, and the issuance of official policy documents by the applicable insurance carrier.

3. Independent Insurance Agency

Harbour Sheild Insurance operates as an independent insurance agency. We do not issue insurance policies, approve claims, or perform underwriting functions. Coverage determinations, underwriting decisions, policy issuance, and claim outcomes are made exclusively by the insurance carrier providing the policy.

4. Information Accuracy

While Harbour Sheild Insurance makes reasonable efforts to maintain accurate and current information, we do not warrant or guarantee the completeness, accuracy, or reliability of any information presented on this website. Insurance products, coverage options, and eligibility requirements may change without notice.

5. Intellectual Property Rights

All content appearing on this website, including text, graphics, logos, design elements, images, and branding materials, is the property of Harbour Sheild Insurance unless otherwise indicated. Unauthorized reproduction, distribution, modification, or use of website content is prohibited.

6. Limitation of Liability

Harbour Sheild Insurance shall not be responsible for any direct, indirect, incidental, consequential, special, or punitive damages resulting from the use of, or inability to use, this website or its content.

7. External Websites

This website may contain links to third-party websites provided for convenience or informational purposes. Harbour Sheild Insurance does not control, endorse, or assume responsibility for the content, policies, security, or practices of external websites.

8. Applicable Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States and applicable state laws without regard to conflict-of-law provisions.

9. Updates to These Terms

Harbour Sheild Insurance reserves the right to revise, update, or modify these Terms & Conditions at any time without prior notice. Continued use of this website following any changes constitutes acceptance of the revised Terms & Conditions.