Terms of Use
These Terms of Use govern your access to and use of the Imperial Insurance, LLC website (the “Website”). By using the Website, you agree to these Terms of Use. If you do not agree, please do not use the Website.
Website Use
The Website is provided for general informational purposes and may be updated, changed, suspended, or discontinued at any time without notice.
You agree to use the Website only for lawful purposes and not to interfere with its operation, attempt unauthorized access, introduce malicious software, misuse Website content, impersonate another person or entity, or use automated tools to improperly access or copy Website materials.
Imperial Insurance, LLC may restrict or terminate access to the Website for misuse or violation of these Terms.
Insurance Information and Coverage
Information on the Website regarding insurance products, coverages, limits, exclusions, pricing, or other insurance matters is general in nature and does not constitute an insurance contract, binder, guarantee, or professional coverage determination.
Descriptions of insurance coverage are summaries only. Actual coverage is governed solely by the terms, conditions, limitations, exclusions, endorsements, and provisions of the applicable insurance policy. If Website information conflicts with an insurance policy, the policy controls.
Insurance products and services may not be available in every state or to every applicant. All applications are subject to underwriting, eligibility requirements, carrier approval, and applicable law.
No Coverage Bound or Changed Through Website
Submitting a quote request, contact form, policy service request, claim notification, email, or other communication through the Website does not bind, modify, renew, cancel, or otherwise change insurance coverage.
Coverage is not effective, changed, or canceled until confirmed by an authorized representative of Imperial Insurance, LLC or the applicable insurance carrier.
Any online quote or premium estimate is preliminary and does not constitute an offer, contract, or binder of insurance.
Claims
Any ability to report a claim through the Website is provided for convenience only. Submission of claim information does not establish coverage or obligate Imperial Insurance, LLC or any insurance carrier to pay a claim.
Coverage and claim determinations are subject to the applicable insurance policy and review by the appropriate insurance carrier.
Accuracy of Information
Imperial Insurance, LLC attempts to provide useful and accurate information but does not guarantee that Website content is complete, current, error-free, or applicable to every circumstance.
Your reliance on Website information is at your own risk. You should contact Imperial Insurance, LLC directly regarding specific insurance questions or coverage needs.
Intellectual Property
The Website and its content, including text, graphics, logos, images, design, and other materials, are owned by or licensed to Imperial Insurance, LLC and are protected by applicable intellectual property laws.
You may use Website materials for personal, non-commercial purposes. You may not reproduce, modify, distribute, sell, republish, or commercially use Website content without prior written permission.
The Imperial Insurance name, logo, and related branding may not be used without written permission.
Third-Party Websites
The Website may contain links to insurance carriers, service providers, or other third-party websites. These links are provided for convenience only.
Imperial Insurance, LLC does not control and is not responsible for the content, privacy practices, security, availability, or accuracy of third-party websites. Your use of third-party websites is subject to their own terms and policies.
Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, Imperial Insurance, LLC disclaims all warranties, express or implied, regarding the Website, including warranties relating to accuracy, availability, security, merchantability, fitness for a particular purpose, and non-infringement.
Imperial Insurance, LLC does not warrant that the Website will always be available, error-free, secure, or free from viruses or other harmful components.
Limitation of Liability
To the fullest extent permitted by law, Imperial Insurance, LLC and its owners, officers, employees, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, punitive, or similar damages arising from or related to your use of, or inability to use, the Website.
Nothing in these Terms limits liability that cannot legally be limited or excluded.
Indemnification
You agree to indemnify and hold harmless Imperial Insurance, LLC and its owners, officers, employees, agents, affiliates, and service providers from claims, losses, liabilities, and expenses arising from your unlawful or unauthorized use of the Website or violation of these Terms.
Privacy
Your use of the Website is also subject to the Imperial Insurance, LLC Privacy Policy and any applicable Cookie Policy or SMS Terms and Conditions.
Changes to These Terms
Imperial Insurance, LLC may revise these Terms of Use from time to time. Changes become effective when posted to the Website. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
Governing Law
These Terms and any dispute relating to the Website are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles.
Any legal action arising from the Website or these Terms shall be brought in an appropriate state or federal court located in East Baton Rouge Parish, Louisiana, unless applicable law requires otherwise.
Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in effect.
Entire Agreement
These Terms of Use, together with the Privacy Policy and any other terms expressly applicable to a particular Website service, constitute the agreement between you and Imperial Insurance, LLC regarding use of the Website.