Terms of Use.

These Terms of Use (“Terms”) govern your access to and use of the website operated by Canary Insurance Group Inc (“Canary,” “we,” or “us”) at canaryinsurancegroup.com (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By accessing the Site you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

2. Purpose of the Site

The Site is informational. Nothing on the Site constitutes insurance advice, an offer of coverage, a binding quote, or a solicitation outside jurisdictions where Canary is licensed. Insurance products and services are subject to the full terms, conditions, and exclusions of the applicable insurance policy. Coverage availability, terms, premiums, taxes and fees may vary by state and carrier. Canary Insurance Group Inc cannot guarantee coverage options nor predict claim outcomes.

3. No Advisor Relationship

Use of the Site, including submission of the contact form, does not create an insurance broker, advisor, or consultant relationship between you and Canary. Such a relationship is established only by a separate written engagement.

4. Licensing

Canary Insurance Group Inc is licensed to transact insurance business at both the individual-producer and entity levels in the following states: Arkansas, Colorado, Iowa, Illinois, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, and Texas. The licensed footprint may change over time; the footer of every page reflects the current list.

Consulting services described on the Site include, but are not limited to, coverage reviews and loss control discussions. These services are advisory; they do not include soliciting, negotiating, or placing insurance, which Canary performs only under its applicable state insurance licenses. Where required by state law, consulting fees are disclosed in writing in advance of the engagement, and any commission or fee arrangement is governed by the rules of the state in which the client is located. Information provided by or through Canary does not constitute legal or financial advice.

5. Intellectual Property

The Site, including its text, graphics, logos, photographs, page layout, and underlying code, is the property of Canary Insurance Group Inc or its licensors and is protected by United States and international intellectual-property laws. “Canary Insurance Group™” and the Canary logo™ are trademarks of Canary Insurance Group Inc. All rights reserved. Other product and company names referenced on this Site may be trademarks of their respective owners. You may view and print the Site's content for personal reference. Any other use, including copying, redistribution, modification, or creation of derivative works, requires our prior written consent.

6. Third-Party Links

The Site may contain links to third-party websites and resources. We provide these links as a convenience and do not endorse, control, or take responsibility for the content, privacy practices, or availability of any third-party site. Your interactions with any third-party site are governed by that site's terms and policies.

7. No Warranties

The Site is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Canary disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any information on the Site is accurate, complete, or current.

8. Limitation of Liability

To the maximum extent permitted by law, Canary, its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the Site, even if we have been advised of the possibility of such damages. In jurisdictions that do not allow the limitation or exclusion of certain damages, our liability is limited to the maximum extent permitted by law.

9. Indemnification

You agree to indemnify and hold harmless Canary Insurance Group Inc and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site, your violation of these Terms, or your violation of any third-party right.

10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.

11. Changes to These Terms

We may update these Terms at any time by posting a revised version on this page. The revision date below reflects the most recent update. Material changes will be reflected in the updated Terms; continued use of the Site after the update constitutes acceptance.

12. Contact

Questions about these Terms can be sent to Canary at the mailing address below, or by email to hello@canaryinsurancegroup.com.

See also our Privacy Policy.