AGREEMENT
Acceptance of These Terms
This website is owned and operated by RLY Insurance Group LLC ("RLY Insurance Group," "we," "us," or "our"), an independent insurance agency licensed in Florida, New York, North Carolina, and Texas. By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
NO COVERAGE IS BOUND THROUGH THIS WEBSITE
This is the provision that matters most to you, so it comes first.
Submitting a quote request, a referral form, or any other information through this website does not bind, alter, extend, or cancel insurance coverage of any kind. No communication through this site — including a form submission, an email, or a scheduled appointment — creates coverage or modifies an existing policy.
Coverage is bound only when an authorized insurance carrier accepts your application and issues a policy, and only on the effective date stated in that policy. If you need coverage to begin by a specific date or time, call us directly at (561) 318-1342. Do not rely on a web form, an email, or a voicemail to place time-sensitive coverage.
QUOTES ARE ESTIMATES, NOT OFFERS
Any premium figure, coverage description, or comparison we present is an estimate based on the information available at the time. Final premiums and terms are determined by the insurance carrier through its own underwriting process, and are subject to verification of the information you provide, inspection results, loss history, credit-based insurance scoring where permitted, and the carrier's filed rates and eligibility rules. A quoted premium may change or be withdrawn before a policy is issued.
THE POLICY CONTROLS
The content on this website describes insurance coverages in general terms for educational purposes. It is a summary, not a contract. Actual coverage is governed entirely by the terms, conditions, definitions, limits, deductibles, exclusions, and endorsements of the policy issued to you. If anything on this website conflicts with your policy, your policy controls. Always read your policy, and call us if any part of it is unclear.
NOT PROFESSIONAL ADVICE
Information on this website is general in nature and is not legal, tax, financial, or individualized insurance advice. Insurance needs vary by person, property, and circumstance. Nothing here should be relied upon as a substitute for a conversation with a licensed professional about your specific situation.
LICENSING AND WHERE WE CAN DO BUSINESS
RLY Insurance Group LLC is licensed to transact insurance business in Florida, New York, North Carolina, and Texas. Nothing on this website constitutes an offer or solicitation to sell insurance in any state where we are not licensed, or where the products described are not approved for sale. Product availability, coverage terms, and pricing vary by state and by carrier.
ACCURACY OF INFORMATION YOU PROVIDE
You agree that information you submit to us is accurate and complete to the best of your knowledge, and that you have authority to provide information about any other person you list, such as a spouse or household driver. Inaccurate or incomplete information can result in an inaccurate quote, a premium change after issuance, a denied claim, or cancellation or rescission of a policy by the carrier. If your circumstances change — a new driver, a new roof, a renovation, a new address, a change in use of the property — tell us, so your coverage can be adjusted before a loss occurs.
OUR CONTENT
All content on this website — including text, graphics, logos, icons, images, page design, and the arrangement of the site — is the property of RLY Insurance Group LLC or its licensors and is protected by United States copyright and trademark law. You may view, download, and print pages from this site for your own personal, non-commercial use in evaluating insurance. You may not reproduce, republish, distribute, modify, or create derivative works from this content for any commercial purpose, or use our name, logo, or branding, without our prior written permission.
ACCEPTABLE USE
You agree not to use this website to submit false, fraudulent, or misleading information; to submit information about another person without their knowledge or authority; to attempt to gain unauthorized access to the site or any related system; to introduce malicious code; to use automated means to scrape, harvest, or overload the site; or to use the site in any way that violates applicable law or interferes with others' use of it.
THIRD-PARTY LINKS AND SERVICES
This website links to and relies on third-party services, including Calendly for appointment scheduling, Web3Forms for processing form submissions, Cloudflare for hosting and security, and the websites of insurance carriers. We do not control these services and are not responsible for their content, availability, security practices, or terms. A link from this site is not an endorsement. Your use of any third-party service is governed by that provider's own terms and privacy policy.
SITE AVAILABILITY
We make no guarantee that this website will be available at all times or free from interruption, delay, or error. We may modify, suspend, or discontinue any part of the site at any time without notice. If this website is unavailable and you need assistance, call us.
DISCLAIMER OF WARRANTIES
This website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, or accuracy. We do not warrant that the information on this site is complete, current, or error-free. Insurance laws, carrier rules, rates, and market conditions change frequently, and content may become outdated.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, RLY Insurance Group LLC and its members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of this website, whether based in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.
Nothing in this section limits any obligation we owe you under applicable insurance law in our capacity as your licensed insurance agent, or limits liability that cannot lawfully be limited. These limitations concern your use of this website.
INDEMNIFICATION
You agree to indemnify and hold harmless RLY Insurance Group LLC and its members, employees, and agents from any claim, loss, liability, or expense, including reasonable attorneys' fees, arising out of your misuse of this website, your violation of these Terms, your violation of applicable law, or your submission of information about another person without authority to do so.
PRIVACY
Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. Please read it before submitting information through this site.
GOVERNING LAW
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of this website will be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the jurisdiction of those courts. Nothing in this section affects any dispute-resolution provision contained in an insurance policy issued to you, which is governed by that policy and applicable law.
SEVERABILITY AND ENTIRE AGREEMENT
If any provision of these Terms is found unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and RLY Insurance Group LLC regarding your use of this website.
CHANGES TO THESE TERMS
We may revise these Terms at any time. Changes take effect when posted, and we will update the "Last updated" date above. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.
HOW TO REACH US
Questions about these Terms? Contact us directly.
RLY Insurance Group LLC
Email: Mark@RLYIG.com
Office: (561) 472-9851
Mobile: (561) 318-1342