Bar & Restaurant Insurance
Terms of Use
Effective date: October 6, 2026
These Terms of Use govern your use of the Bar & Restaurant Insurance website, operated by Bar & Restaurant Insurance LLC. Please read them carefully. By using this website, you agree to these terms and to our Privacy Policy.
On This Page
- Acceptance of These Terms
- Use of Our Website
- Quotes and Coverage
- General Information Only
- Intellectual Property
- Your Submissions
- Third-Party Links and Services
- Disclaimer of Warranties
- Limitation of Liability
- Indemnification
- Governing Law
- Changes to These Terms
- Contact Us
Acceptance of These Terms
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.
Use of Our Website
You may use this website only for lawful purposes, such as learning about our services, requesting a quote, and contacting us. You agree not to:
- Use the website in any way that violates applicable law
- Submit false, misleading, or unlawful information through our forms
- Attempt to gain unauthorized access to the website, its servers, or any connected systems
- Interfere with the website’s operation, including by introducing viruses or other harmful code
- Use automated tools to copy or collect content from the website without our written permission
Quotes and Coverage
Requesting a quote through this website does not bind, change, or cancel any insurance coverage. Coverage begins only when a policy is issued or a binder is confirmed in writing, and it is subject to carrier underwriting and approval.
Coverage is governed by the terms, conditions, limits, and exclusions of the policy actually issued. If anything on this website differs from your policy, your policy controls. Quotes, premiums, and coverage availability vary by carrier, location, and business and are not guaranteed.
General Information Only
Articles, guides, podcast episodes, and other content on this website are provided for general information about the hospitality and insurance industries. They are not legal, tax, or insurance advice for your specific situation. Talk with our team about your coverage and with a qualified attorney or accountant about legal or tax questions.
Intellectual Property
The website and its content, including text, photos, graphics, logos, video, audio, and design, are owned by Bar & Restaurant Insurance LLC or used with permission and are protected by applicable intellectual property laws. You may view and print pages for your personal use, but you may not copy, reproduce, distribute, modify, or use any content for commercial purposes without our prior written permission.
Your Submissions
When you submit information through our forms, you agree that the information is accurate and complete and that you have the right to share it. Accurate information helps us find the right coverage, and inaccurate information can affect a quote or policy. We handle the personal information you provide as described in our Privacy Policy.
Third-Party Links and Services
Our website links to and embeds content from third-party websites and services, including insurance partners, podcast and video platforms, and social media. We do not control and are not responsible for the content, policies, or practices of those sites. Your use of third-party sites is at your own risk and subject to their terms.
Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no warranties of any kind, express or implied, about the website, including warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the website will be uninterrupted, secure, or free of errors.
Limitation of Liability
To the fullest extent permitted by law, Bar & Restaurant Insurance LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website or its content.
Indemnification
You agree to indemnify and hold harmless Bar & Restaurant Insurance LLC from any claims, losses, or expenses, including reasonable attorneys’ fees, arising from your misuse of the website or your violation of these Terms of Use.
Governing Law
These Terms of Use are governed by the laws of the State of Arizona, without regard to its conflict of law rules.
Changes to These Terms
We may update these Terms of Use from time to time. When we do, we will post the updated terms on this page and change the effective date at the top. Your continued use of the website after an update means you accept the revised terms.
Contact Us
If you have questions about these Terms of Use, contact us:
Bar & Restaurant Insurance LLC