Watkins Insurance Group Terms of Use
Last Updated: September 21, 2026
1. Acceptance of These Terms
Welcome to the website of Watkins Insurance Group ("Watkins Insurance Group," "we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of our website located at watkinsinsurance.org (the "Site").
By accessing, browsing, or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Site.
We may update these Terms from time to time. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
2. Use of the Website
You may use the Site only for lawful purposes and in accordance with these Terms.
You agree not to:
- Use the Site in violation of any applicable law or regulation;
- Attempt to gain unauthorized access to the Site, its systems, or related networks;
- Interfere with or disrupt the operation or security of the Site;
- Introduce viruses, malware, or other harmful or disruptive code;
- Use automated systems, bots, scrapers, or similar technology to access or collect information from the Site without our permission;
- Impersonate another person or entity;
- Submit false, misleading, or fraudulent information through the Site;
- Use information obtained from the Site for unlawful or unauthorized purposes; or
- Engage in any activity that could damage, disable, overburden, or impair the Site.
We reserve the right to restrict or terminate access to the Site if we believe you have violated these Terms or applicable law.
3. Insurance Information and General Information
The content provided on the Site is intended for general informational purposes only. Nothing on the Site constitutes legal, financial, tax, or insurance advice specific to your circumstances.
Insurance products, coverages, limits, exclusions, eligibility requirements, premiums, and availability may vary based on individual circumstances and applicable laws and regulations.
Information displayed on the Site should not be relied upon as a substitute for reviewing an actual insurance policy, endorsement, application, quote, or other official insurance documentation.
4. Quotes and Applications
Any quote request, inquiry, application, or other information submitted through the Site does not necessarily constitute an offer to provide insurance coverage or a binding insurance contract.
Insurance coverage is subject to applicable underwriting requirements, eligibility requirements, policy terms and conditions, and acceptance by the applicable insurance carrier.
A request for information or a quote through the Site does not guarantee coverage, a particular premium, or acceptance by an insurance carrier.
You are responsible for providing accurate, complete, and current information when submitting information through the Site.
5. No Binding Coverage Through Website Use
Unless expressly stated otherwise in a written agreement or official insurance documentation, communications through the Site, including contact forms, emails, quote requests, or other electronic communications, do not by themselves create or modify an insurance policy, bind coverage, change coverage terms, or constitute confirmation of insurance.
You should not assume that coverage has been issued, changed, renewed, or canceled based solely on information submitted through the Site.
6. Third-Party Insurance Carriers and Services
Watkins Insurance Group may work with or provide information concerning third-party insurance carriers, vendors, service providers, or other organizations.
Any insurance policy or other product provided by a third party is subject to that party's own terms, conditions, underwriting requirements, privacy practices, and policies.
We are not responsible for the content, availability, accuracy, products, services, or practices of third-party websites or services linked to or referenced by the Site.
7. Intellectual Property
Unless otherwise indicated, the Site and its contents, including text, graphics, logos, photographs, designs, images, videos, documents, software, and other materials, are owned by or licensed to Watkins Insurance Group and are protected by applicable intellectual property laws.
You may view and use the Site for your personal or legitimate business purposes.
You may not reproduce, modify, distribute, publicly display, publicly perform, republish, transmit, sell, license, create derivative works from, or otherwise exploit Site content without our prior written permission, except as permitted by applicable law.
The Watkins Insurance Group name, logos, trademarks, service marks, and related branding may not be used without our prior written permission.
8. User Submissions and Communications
If you submit information, comments, questions, feedback, or other content through the Site, you represent that you have the right to provide that information and that doing so does not violate any law or the rights of another person.
You agree not to submit content that is unlawful, fraudulent, defamatory, threatening, abusive, invasive of another person's privacy, or otherwise objectionable.
We may use information submitted through the Site as necessary to respond to your request, provide services, operate our business, and for other purposes described in our Privacy Policy.
9. Accuracy of Information
We make reasonable efforts to provide useful and accurate information on the Site. However, we do not warrant that all information is complete, current, accurate, or error-free.
Information may change without notice, and we reserve the right to modify, correct, update, or remove Site content at any time.
10. Website Availability
We do not guarantee that the Site will always be available, uninterrupted, secure, or free from errors, defects, viruses, or other harmful components.
We may suspend, discontinue, modify, or restrict access to all or part of the Site at any time without notice.
11. Links to Third-Party Websites
The Site may contain links to websites or services operated by third parties. These links are provided for convenience and informational purposes.
We do not control and are not responsible for third-party websites, their content, availability, security, privacy practices, or terms.
Your use of third-party websites is governed by the terms and policies of those third parties.
12. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Site and its content are provided on an "as is" and "as available" basis.
Watkins Insurance Group disclaims all warranties, express or implied, relating to the Site or its content, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and reliability.
Nothing in these Terms excludes or limits any warranty or right that cannot lawfully be excluded or limited under applicable law.
13. Limitation of Liability
To the fullest extent permitted by applicable law, Watkins Insurance Group and its owners, officers, employees, agents, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your access to or use of, or inability to access or use, the Site or its content.
This includes, without limitation, damages arising from errors, interruptions, loss of data, unauthorized access, reliance on Site content, or links to third-party websites.
Nothing in these Terms limits liability that cannot legally be limited under applicable law.
14. Indemnification
To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Watkins Insurance Group and its owners, officers, employees, agents, affiliates, and service providers from and against claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:
- Your use or misuse of the Site;
- Your violation of these Terms;
- Your violation of applicable law or the rights of another person; or
- Information or content you submit through the Site.
15. Privacy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, disclose, and safeguard information.
Please review the Watkins Insurance Group Privacy Policy for additional information about our privacy practices.
16. Electronic Communications
When you contact us electronically, including through forms, email, or other electronic means, you consent to receiving electronic communications in response to your inquiry.
Electronic communications may include responses to questions, requests for information, service-related communications, and other communications necessary to respond to your interaction with us.
Electronic communications do not necessarily constitute a binding insurance agreement or confirmation of coverage.
17. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, if we believe such action is necessary to protect the Site, our business, our users, or others, or if you violate these Terms or applicable law.
Provisions that by their nature should survive termination will remain in effect, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, and governing law.
18. Governing Law
These Terms are governed by and construed in accordance with the laws applicable in the jurisdiction in which Watkins Insurance Group operates, without regard to conflict-of-law principles, except to the extent otherwise required by applicable law.
Any dispute arising from or relating to these Terms or your use of the Site will be subject to the applicable courts having jurisdiction over the matter, unless applicable law requires otherwise.
19. Severability
If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the fullest extent permitted by law, and the remaining provisions will remain in full force and effect.
20. Entire Agreement
These Terms, together with our Privacy Policy and any other applicable policies or agreements referenced on the Site, constitute the agreement between you and Watkins Insurance Group concerning your use of the Site, except where a separate written agreement applies.
21. Changes to These Terms
We may revise these Terms from time to time. When we make changes, we will post the updated Terms on this page and update the "Last Updated" date.
Your continued use of the Site after revised Terms are posted constitutes your acceptance of the changes.
22. Contact Us
If you have questions about these Terms of Use, please contact us:
Watkins Insurance Group
Email: support@watkinsinsurance.org