Terms of Service - Beach Insurance LLC

1. Agreement

These Terms of Service (“Terms”) govern your access to and use of the website located at beachinsurancellc.com (“Website”) operated by Beach Insurance LLC (“Company”, “we”, “us”, or “our”), Beach Insurance LLC. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.

2. SMS / Text Messaging Terms

SMS / Text Messaging Terms — By providing your mobile number and opting in, you agree to receive informational and customer-care text messages from Beach Insurance LLC. Message frequency varies. Message and data rates may apply. For help, reply HELP or contact us at (843) 626-9244 / info@beachinsurancellc.com. You can opt out at any time. Reply STOP to cancel. Mobile opt-in data and consent are never shared with third parties. See our Privacy Policy for how we handle your information.

Brand: Beach Insurance LLC
Message types: informational and customer-care only (account, service, and quote follow-up). These messages are not marketing or promotional texts.
Message frequency varies.
Message and data rates may apply.
Help: reply HELP, or contact us at (843) 626-9244 / info@beachinsurancellc.com.
Opt out: text STOP to cancel at any time.

3. Scope of Information

Content on this Website is provided for general informational purposes about our life, home, auto, flood, commercial, and related insurance services. Pricing, coverage descriptions, timeframes, and availability shown on the Website are estimates based on typical conditions and are not binding quotes. A binding quote is only provided after an assessment of your individual circumstances and is delivered in writing.

4. Acceptable Use

You agree to use the Website only for lawful purposes. You may not:

Attempt to interfere with or disrupt the Website, its servers, or networks.
Upload or transmit viruses, malware, or other harmful code.
Scrape, copy, or republish substantial portions of the content without written permission.
Impersonate another person or misrepresent your affiliation.
Submit false information through any contact or quote form.

5. Intellectual Property

All content on this Website — including text, photographs, logos, graphics, videos, page layouts, and the underlying code — is the property of Beach Insurance LLC or its licensors and is protected by United States copyright, trademark, and other intellectual-property laws. You may view, print, or download content solely for personal, non-commercial reference. Any other use requires our prior written consent.

6. Customer Content

If you submit photos, policy details, or other content to us through a form or email, you grant us a non-exclusive, royalty-free license to use that content for the purpose of providing you a quote or servicing your insurance needs. We will not publicly publish identifiable personal information without your permission.

7. Insurance & Service Terms

Coverage terms, exclusions, limits, and conditions are set forth in the insurance policy documents issued by the applicable carrier. Nothing on this Website constitutes a policy, a binder, or a warranty of coverage by itself. Quotes are subject to underwriting and carrier approval.

8. Disclaimers

The Website is provided “as is” and “as available.” We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of the content for any particular purpose. Photographs and examples are representative and individual results vary with specific policy terms, coverage limits, and exclusions.

9. Limitation of Liability

To the fullest extent permitted by law, Beach Insurance LLC and its owners, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Website, even if we have been advised of the possibility of such damages. Our total liability arising out of or relating to your use of the Website is limited to one hundred dollars ($100).

This limitation does not apply to liability under insurance policies we place, which is governed by those policy contracts and applicable state law.

10. Third-Party Links

The Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy practices, or accuracy of any third-party website. Linking to a third party does not imply endorsement.

11. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Changes to These Terms

We may revise these Terms at any time by updating this page. The “Last updated” date above indicates when the current version took effect. Your continued use of the Website after changes means you accept the revised Terms.

13. Governing Law

These Terms and any dispute arising from your use of the Website are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in South Carolina, and you consent to the personal jurisdiction of those courts.

14. Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Beach Insurance LLC regarding your use of the Website and supersede any prior agreements, representations, or understandings, whether written or oral, relating to the same subject matter. Signed proposals, applications, or insurance contracts between you and Beach Insurance LLC or a carrier govern the specific services or coverage you purchase and control in the event of any conflict with these Terms.

Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of the parties, and the remaining provisions of these Terms shall continue in full force and effect.

Termination

We may suspend or terminate your access to the Website, at our sole discretion and without prior notice, for any violation of these Terms or for any other reason we deem appropriate. Upon termination, the provisions of these Terms that by their nature should survive termination — including Intellectual Property, Disclaimers, Limitation of Liability, Governing Law, and Indemnification — will remain in effect.

No Waiver

Our failure to enforce any right or provision of these Terms on any particular occasion shall not be deemed a waiver of that right or provision, nor a waiver of any subsequent breach. No waiver of any provision of these Terms will be effective unless made in writing and signed by an authorized representative of Beach Insurance LLC.

Indemnification

You agree to indemnify, defend, and hold harmless Beach Insurance LLC, its owners, officers, employees, contractors, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your misuse of the Website; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; or (d) any content you submit to us through the Website.

Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may assign or transfer these Terms, at our sole discretion, without restriction.

Force Majeure

Neither party shall be liable for any failure or delay in performance caused by circumstances beyond reasonable control, including but not limited to acts of God, natural disasters, severe weather, war, civil unrest, labor disputes, government action, or utility or telecommunications failures.

15. Contact

Questions about these Terms of Service? Contact us:

Beach Insurance LLC
Email: info@beachinsurancellc.com
Phone: (843) 626-9244