Terms & Conditions

1. Acceptance of Terms

By accessing or using the website of Long Lake Insurance Agency, LLC (“Company,” “we,” “our,” or “us”), located at longlakeinsuranceagencyllc.com, or by submitting any inquiry, form, or request to our agency, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please discontinue use of our website and services immediately.

These Terms apply to all visitors, users, clients, and others who access or use our website, contact forms, or any services provided by Long Lake Insurance Agency, LLC.

2. Description of Services

Long Lake Insurance Agency, LLC is a licensed independent insurance agency operating in the State of Michigan under NAICS code 524210 (Insurance Agencies and Brokerages). We provide insurance brokerage services, including but not limited to: obtaining insurance quotes on behalf of clients, facilitating the placement of insurance policies with licensed carriers, providing insurance consulting and coverage analysis, and offering ongoing policy service and support.

We act as an intermediary between clients and insurance carriers. We are not an insurance carrier and do not underwrite, issue, or guarantee insurance coverage. All insurance policies are issued by the respective insurance carrier, subject to their terms, conditions, and underwriting guidelines.

3. Website Use Policy

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Submit false, fraudulent, or misleading information through our contact forms or quote requests
• Attempt to gain unauthorized access to any portion of our website or systems
• Use automated tools, scrapers, or bots to collect information from our website
• Transmit any viruses, malware, or malicious code through our website
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use our website in any manner that could disable, overburden, or impair its functionality
• Reproduce, duplicate, copy, sell, or exploit any portion of our website without written permission

4. Insurance Quote Disclaimer

Any insurance quotes, coverage estimates, or premium indications provided through our website, forms, or verbal communications are for informational purposes only and do not constitute a binding offer of insurance coverage. All quotes are subject to:

• Formal underwriting review and approval by the insurance carrier
• Verification of the information provided by the applicant
• The carrier's current underwriting guidelines and eligibility criteria
• Applicable state regulations and filing requirements

Coverage is not bound until a formal policy is issued by the insurance carrier and the required premium is received. Long Lake Insurance Agency, LLC makes no guarantee that any specific coverage will be available at any particular price.

5. No Guarantee of Coverage

Long Lake Insurance Agency, LLC does not guarantee that any applicant will qualify for insurance coverage, that any specific coverage limits will be available, or that any particular premium rate will be offered. Insurance eligibility and pricing are determined solely by the issuing insurance carrier based on their underwriting criteria.

6. Third-Party Carrier Relationships

We work with multiple independent insurance carriers. Our relationship with these carriers is that of an independent agent or broker. We do not control the underwriting decisions, claims handling, policy terms, or financial stability of any carrier. Clients are encouraged to review the financial ratings and reputation of any carrier before purchasing a policy.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Long Lake Insurance Agency, LLC or its content suppliers and is protected by applicable U.S. and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Electronic Communication Consent

By submitting a contact form, quote request, or any other inquiry through our website, you consent to receive electronic communications from Long Lake Insurance Agency, LLC, including emails and text messages (SMS), related to your inquiry, insurance options, policy information, and our services. Message and data rates may apply for SMS communications. You may opt out at any time by replying STOP to any SMS or by emailing brennan@longlakeinsuranceagencyllc.com.

9. User Responsibilities

You are responsible for:

• Providing accurate, complete, and truthful information in all communications and applications
• Promptly notifying us of any changes to your information that may affect your coverage
• Reading and understanding your insurance policy documents upon receipt
• Making premium payments directly to your insurance carrier in a timely manner
• Notifying your carrier directly in the event of a claim

Providing false or misleading information on an insurance application may constitute insurance fraud under Michigan law and may result in policy cancellation, denial of claims, or criminal prosecution.

10. Disclaimer of Warranties

Our website and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Long Lake Insurance Agency, LLC, 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, goodwill, or other intangible losses, arising out of or in connection with your use of our website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from or relating to these Terms or your use of our services shall not exceed the amount of fees actually paid by you to Long Lake Insurance Agency, LLC in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Long Lake Insurance Agency, LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our website, your violation of these Terms, your provision of false or inaccurate information, or your violation of any applicable law or regulation.

13. External Links

Our website may contain links to third-party websites, including insurance carrier portals, regulatory agencies, and resource sites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party links is at your own risk.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles. Any dispute arising from or relating to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the state and federal courts located in Wayne County, Michigan.

Before initiating any legal proceeding, you agree to first contact Long Lake Insurance Agency, LLC in writing and provide a reasonable opportunity to resolve the dispute informally.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on our website with a revised effective date. Your continued use of our website or services following any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Service Availability

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.

17. Contact Information

For questions about these Terms and Conditions, please contact us:

Long Lake Insurance Agency, LLC
40600 Ann Arbor Rd E Ste 201
Plymouth, MI 48170
United States

Phone: 248-300-4343
Email: brennan@longlakeinsuranceagencyllc.com