TERMS & CONDITIONS

1. Acceptance of Terms

By accessing or using this website, you agree to these Terms & Conditions and any other policies we reference. If you do not agree to any portion of these terms, you should not use or access the site. We may update these terms from time to time; your continued use after those changes are posted constitutes acceptance of the revised terms.

These terms form a legally binding agreement between you and Prime Haul Insurance Agency INC concerning your use of the website and any services provided online. Where applicable laws provide greater protections, those laws will apply.

2. Informational Purposes Only

The information contained on this website is intended to provide a general overview of insurance products, services, and industry concepts. It should not be relied upon as legal, tax, medical, or financial advice.

For specific decisions about policies, coverage limits, endorsements, or claims handling, consult a licensed insurance professional or attorney who can assess the particular facts and applicable laws in your jurisdiction.

3. Quotes & Policies

Any estimates, quotes, or sample policy language provided on this website are illustrative and subject to change. They are not binding offers of insurance. Final policy terms, conditions, exclusions, premiums, and eligibility are determined by the insurer and will be set forth in the issued policy document.

If you receive a quote through this site, that quote may depend on further verification, inspections, or underwriting reviews. Always rely on the actual policy documents and endorsements for complete terms and coverage details.

4. Client Responsibilities

You are responsible for providing accurate, complete, and timely information when requesting quotes, applying for coverage, or filing claims. Deliberate misstatements or omissions can void coverage or allow an insurer to rescind a policy.

Keep your agent or carrier informed of material changes such as changes in operations, drivers, vehicles, ownership, or address. Prompt communication helps ensure ongoing protection and compliance with policy requirements.

5. Intellectual Property

The content on this site — including text, graphics, logos, images, and software — is owned by Prime Haul Insurance Agency INC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and print pages from the site for personal, non-commercial use only. Any other use, including reproduction for commercial purposes, modification, or public display, requires our prior written permission.

6. Limitation of Liability

Except where prohibited by law, Prime Haul Insurance Agency INC, its affiliates, officers, agents, or licensors are not responsible for any loss or damage arising from your use of the site, reliance on its contents, or inability to use the site. This includes direct, indirect, incidental, consequential, or punitive damages.

Nothing in these terms limits liability for intentional misconduct, gross negligence, or other liability that cannot be limited under applicable law.

7. Privacy & Data

We collect and process personal information as described in our Privacy Policy. This may include contact details, driver history, vehicle information, and other data necessary to provide quotes and service policies.

We use industry-standard security measures to protect data, but no transmission or storage system is completely secure. By submitting information through the site, you acknowledge and accept this limitation.

8. Third-Party Links

Links to other websites, services, or resources are provided for convenience and do not constitute endorsement. We do not control these third-party sites and are not responsible for their content, privacy practices, or accuracy.

9. Updates

We may update these Terms & Conditions from time to time to reflect changes in our services, legal requirements, or business practices. Material changes will be posted on this page with an updated effective date.

Your continued use of the site after changes are posted will constitute acceptance of the updated terms. If you do not agree with a change, please discontinue use of the site and contact us for further assistance.

10. Contact

If you have questions about these Terms & Conditions, please contact Prime Haul Insurance Agency INC through our Contact page or by emailing info@primehaulinsurance.com