Terms of Service

By accessing, browsing, or using our website, submitting forms, requesting quotes, or engaging with any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy, both of which are incorporated herein by reference.

If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. You must be at least 18 years of age to use our Services. By using our Site or Services, you represent that you meet this age requirement.

Stronghold Insurance Advisors is an independent insurance advisory firm. We provide the following services:

• •Insurance Quotes: We provide estimated quotes for various types of insurance coverage including personal, business, and MSP/cyber insurance. Quotes are based on the information you provide and are subject to underwriting by our partner carriers.
• •Advisory Services: We offer personalized insurance advice, risk assessment, and coverage recommendations based on your individual or business needs.
• •Policy Administration: We assist with the application process, policy management, renewals, and claims coordination with our partner insurance carriers.
• •Risk Consulting: We provide risk management consulting and coverage gap analysis for individuals and businesses.

Important: Stronghold Insurance Advisors is an independent insurance advisory firm. We are not an insurance carrier. Actual insurance coverage, terms, conditions, premiums, and availability are determined by the issuing insurance carrier, not by Stronghold Insurance Advisors. We do not guarantee that any specific carrier will issue a policy or that the quoted premium will be the final price.

By using our Site and Services, you agree to the following responsibilities:

• •Accuracy of Information: You agree to provide accurate, complete, and up-to-date information when filling out forms, requesting quotes, or applying for insurance coverage. You are responsible for keeping your information current and notifying us of any changes.
• •Full Disclosure: You must provide truthful and complete information regarding your insurance needs, assets, and risk profile. Withholding material information may result in denied claims or policy cancellation.
• •Compliance with Laws: You agree to use our Site and Services in compliance with all applicable local, state, federal, and international laws and regulations.
• •No Unauthorized Use:You will not use our Site or Services for any unlawful purpose or in any way that could damage, disable, or impair our Site or interfere with any other party's use of our Site.
• •Policy Obligations: If you purchase insurance through our Services, you are responsible for reviewing your policy documents, understanding your coverage, paying premiums on time, and complying with all policy terms and conditions.

To the maximum extent permitted by applicable law, Stronghold Insurance Advisors and its officers, directors, employees, agents, and affiliates shall not be liable for:

• •Any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses.
• •Any damages resulting from your use of or inability to use our Site or Services, including any quotes, recommendations, or information provided.
• •Any unauthorized access to or use of our servers or any personal information stored therein.
• •Any errors or omissions in any information provided through our Site or Services.
• •Any decisions made or actions taken by you based on information or advice provided through our Site or Services.

Our aggregate liability to you for any claims arising out of or related to these Terms or our Services shall not exceed the total amount of fees paid by you to us in the twelve (12) months preceding the event giving rise to the claim.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or our Services shall be resolved in the state or federal courts located in New York, New York.

You agree to submit to the personal jurisdiction of these courts for the purposes of litigating any such disputes. You also agree that any claims must be brought within one (1) year after the claim arose, or such claim is forever barred.

The parties agree to attempt to resolve any disputes through good-faith negotiations before initiating any legal proceedings. If the parties are unable to resolve the dispute within thirty (30) days, either party may pursue formal legal remedies.

• •Intellectual Property: All content on our Site, including text, graphics, logos, and software, is the property of Stronghold Insurance Advisors or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.
• •Third-Party Links: Our Site may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or terms of use of these third-party sites. Accessing third-party links is at your own risk.
• •Disclaimer of Warranties:Our Site and Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our Site will be uninterrupted, error-free, or free of viruses or other harmful components.
• •Modifications:We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of our Site or Services after any modifications constitutes your acceptance of the revised Terms.
• •Severability: If any provision of these Terms is held to be unenforceable, the remaining provisions will continue in full force and effect.
• •Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and Stronghold Insurance Advisors regarding your use of our Site and Services, superseding all prior agreements and understandings.

If you have any questions about these Terms of Service, please contact us: