Terms of Service

Effective Date: January 1, 2026  |  Last Updated: January 1, 2026

Welcome to the website of Bedrock Insurance Advisors, LLC ("Bedrock," "we," "us," or "our"). By accessing or using this website, our client portal, or any services offered through this site, you ("you" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of this website immediately.

1. Use of Website and Portal

This website and the Bedrock client portal are provided for informational purposes and to facilitate the delivery of insurance brokerage services to our clients. You agree to use this website and portal only for lawful purposes and in accordance with these Terms.

You may not:

• Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website
• Attempt to gain unauthorized access to the client portal, user accounts, or computer systems connected to this website
• Use any automated device, script, robot, or other means to access the website for any unauthorized purpose
• Introduce viruses, trojans, worms, or other malicious or technologically harmful material
• Reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent

Access to the client portal requires valid login credentials issued by Bedrock Insurance Advisors. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.

2. Insurance Products Disclaimer

The information presented on this website, including descriptions of insurance products and coverage types, is intended for general informational purposes only. It does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation for any insurance product.

Important: Please understand the following regarding the insurance process:

• Quotes are not binders. An insurance quote or premium indication provided through this website, by email, or by phone is an estimate only and does not constitute a binder of coverage or an insurance policy.
• Coverage is not effective until a policy is issued. No insurance coverage is bound or effective until a formal policy has been issued by the insurance carrier, all underwriting requirements have been satisfied, and any required premium payment has been received.
• Policy terms govern. The actual terms, conditions, limitations, and exclusions of any insurance policy will be set forth in the policy documents issued by the carrier. In the event of any conflict between information on this website and the policy documents, the policy documents shall control.
• Certificates of Insurance are informational only. A Certificate of Insurance (COI) is issued as a matter of information only and confers no rights upon the certificate holder. The certificate does not affirmatively or negatively amend, extend, or alter the coverage afforded by the referenced policies.

We strongly recommend that you carefully review all policy documents upon receipt and contact your Bedrock account representative with any questions about your coverage.

3. Accuracy of Information

When submitting a quote request, application, or any other information through this website or client portal, you represent and warrant that all information provided is true, accurate, complete, and not misleading. Insurance carriers rely on the accuracy of the information submitted during the underwriting process to evaluate risk and determine premiums.

Providing false, inaccurate, or incomplete information may result in denial of coverage, cancellation or rescission of a policy, denial of a claim, or other adverse consequences. Bedrock Insurance Advisors shall not be liable for any loss arising from inaccurate or incomplete information provided by you.

4. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, icons, images, software, and the compilation thereof, is the property of Bedrock Insurance Advisors, LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

The Bedrock Insurance Advisors name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Bedrock Insurance Advisors, LLC. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Bedrock Insurance Advisors, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunity, or goodwill, arising out of or in connection with:

• Your access to, use of, or inability to access or use this website or the client portal
• Any errors or omissions in the content of this website
• Any unauthorized access to or use of our servers or any personal information stored therein
• Any interruption or cessation of transmission to or from this website
• Any reliance on information provided on this website that is not confirmed in writing by an authorized representative of Bedrock Insurance Advisors

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

6. Indemnification

You agree to defend, indemnify, and hold harmless Bedrock Insurance Advisors, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of this website, or any information you submit through this website.

7. Third-Party Links and Services

This website may contain links to third-party websites or services, including insurance carrier portals, payment processing platforms, and industry resources. These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party website or service. Your interactions with third-party sites are governed by the terms and policies of those sites.

8. Governing Law and Jurisdiction

These Terms of Service and any disputes arising out of or related to your use of this website shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in New York County, New York, for the resolution of any disputes arising under these Terms.

9. Dispute Resolution

In the event of any dispute arising out of or relating to these Terms, the parties agree to first attempt to resolve the dispute informally by contacting each other directly. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue formal legal remedies as permitted under Section 8 above.

10. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

11. Modification of Terms

Bedrock Insurance Advisors reserves the right to modify, amend, or update these Terms of Service at any time and at our sole discretion. Changes will be effective immediately upon posting the revised Terms on this website with an updated "Last Updated" date. Your continued use of the website after any changes are posted constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any updates. Material changes may also be communicated to registered portal users via email notification.

12. Entire Agreement

These Terms, together with our Privacy Policy and Disclosures, constitute the entire agreement between you and Bedrock Insurance Advisors, LLC regarding your use of this website. These Terms supersede any prior agreements or understandings, whether written or oral, relating to the subject matter herein.

13. Contact Information

If you have questions or concerns about these Terms of Service, please contact us:

Bedrock Insurance Advisors, LLC
Attn: Legal Department
1 Liberty Plaza, 32nd Floor
New York, NY 10006
Email: certificates@bedrock-insurance.com
Phone: (315) 355-6521