Terms of Service

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. Services Description

Robert Coleman Insurance Services, Inc. provides insurance brokerage and advisory services in the state of Connecticut. Our website provides general information about our services and allows you to contact us for insurance-related inquiries. The information on this website is for general informational purposes only and does not constitute insurance advice.

3. No Insurance Contract

Information presented on this website does not constitute an offer of insurance or a binding insurance contract. Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the actual insurance policy issued. All insurance policies are subject to underwriting approval by the applicable insurance carrier.

4. Text Message Communications

By opting in to receive text messages from Robert Coleman Insurance Services, Inc., you agree to the following:

• You consent to receive text messages related to your insurance inquiries, quotes, policy updates, appointment reminders, and other service-related communications
• Message frequency varies based on your account activity and interactions
• Message and data rates may apply as determined by your mobile carrier
• You may opt out of text messages at any time by replying STOP to any message. You will receive a confirmation message and no further texts will be sent
• For assistance, reply HELP to any message or email us at robert@robert-coleman.com
• Text messaging is not required to use our services or obtain insurance coverage
• We are not responsible for incomplete or undelivered messages due to carrier issues, network outages, or device limitations

Your consent to receive text messages is not a condition of purchasing any insurance product or service. You may contact us via email, phone, or our website contact form as alternatives to text communication.

5. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information when submitting inquiries
• Not use the website for any unlawful purpose
• Not attempt to interfere with the proper functioning of the website
• Not impersonate any person or entity

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Robert Coleman Insurance Services, Inc. or its content suppliers and is protected by United States and international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. Robert Coleman Insurance Services, Inc. makes no warranties, expressed or implied, regarding the accuracy, completeness, reliability, or availability of the website or any information, products, or services provided through it. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

In no event shall Robert Coleman Insurance Services, Inc., its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or services. Our total liability for any claim arising out of or relating to these Terms shall not exceed the amount paid by you, if any, for accessing our website.

9. Indemnification

You agree to indemnify, defend, and hold harmless Robert Coleman Insurance Services, Inc. and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the website or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the website shall be resolved in the courts of the State of Connecticut.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the website after any modifications constitutes acceptance of the updated Terms.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

13. Contact Information

For questions about these Terms of Service, please contact us: