Terms of Service
Agreement to Terms
These Terms of Service (“Terms”) govern your access to and use of the website and services provided by Hybrid Risk Insurance and Risk Services (“Hybrid Risk,” “we,” “us,” or “our”), a Texas-based insurance brokerage. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
Our Services
Hybrid Risk is a licensed insurance brokerage that helps businesses and individuals obtain commercial insurance, personal insurance, workers compensation, employee benefits, and risk management services. We act as an intermediary between you and insurance carriers. We do not underwrite insurance policies; coverage is provided by the carriers we represent, subject to their terms, conditions, and underwriting guidelines.
Use of Our Website
You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:
- Use the website in any way that violates applicable federal, state, or local laws or regulations
- Attempt to gain unauthorized access to our systems, networks, or data
- Transmit viruses, malware, or other harmful code
- Submit false, misleading, or fraudulent information in quote requests or other forms
- Scrape, copy, or reproduce website content without our prior written consent
Quotes and Insurance Placement
Quotes, coverage descriptions, and premium estimates provided through our website or by our agents are for informational purposes only and are not binding until a policy is issued by an insurance carrier. Final terms, coverage limits, exclusions, and premiums are determined by the carrier at the time of binding. We make no guarantee that coverage will be available or that a quote will match the final policy.
Accuracy of Information
You are responsible for providing accurate and complete information when requesting quotes, certificates, policy changes, or other services. Inaccurate information may result in denied claims, cancelled coverage, or other adverse outcomes for which Hybrid Risk is not liable.
Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of Hybrid Risk or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Disclaimer of Warranties
Our website and services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Hybrid Risk disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
Limitation of Liability
To the maximum extent permitted by Texas law, Hybrid Risk and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim related to these Terms or our services shall not exceed the fees you paid to us for the specific service giving rise to the claim in the twelve months preceding the claim.
Indemnification
You agree to indemnify and hold harmless Hybrid Risk from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your use of our website, or your provision of inaccurate or incomplete information.
Third-Party Links
Our website may contain links to third-party websites, including insurance carrier portals and payment systems. We are not responsible for the content, privacy practices, or terms of those external sites. Accessing third-party links is at your own risk.
Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Bexar County, Texas, and you consent to the personal jurisdiction of those courts.
Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes acceptance of the revised Terms.
Contact Us
If you have questions about these Terms of Service, please contact us:
- Phone: (888) 524-0798
- Email: info@hybridrisk.com
- Address: PO Box 458, Converse, TX 78109