Terms of Service

Acceptance of Terms

By accessing or using the BluSky Insurance website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use automated systems to access or collect information from our website
• Attempt to gain unauthorized access to our systems or networks
• Transmit harmful or malicious code
• Misrepresent your identity or affiliation

No Insurance Contract Created

This website provides general information about insurance products and services. Visiting our website or submitting a quote request does not create an insurance contract or guarantee coverage. Insurance coverage is only in effect when a policy is issued, signed, and payment is received.

Quote Accuracy

Quotes provided are estimates based on information you supply. Final premiums may differ based on underwriting review, carrier guidelines, and additional information collected during the application process. All quotes are subject to carrier approval.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of the website or the information it contains. We do not guarantee that the website will be error-free or uninterrupted.

Limitation of Liability

To the fullest extent permitted by law, BluSky Insurance shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or inability to obtain insurance coverage.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of those websites. Accessing third-party links is at your own risk.

Indemnification

You agree to indemnify and hold harmless BluSky Insurance, its principals, employees, and partners from any claims, losses, or damages arising from your use of this website or violation of these Terms of Service.

Governing Law

These Terms of Service are governed by the laws of the State of New York. Any disputes arising from these terms shall be resolved in the courts of New York.

Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Service, please contact us through the information provided on our About page.