Terms of Service

These Terms of Service govern your use of the K2 Insurance Agency LLC website. By accessing or using this website, you agree to these Terms. Please do not use the website if you do not agree with them.

About K2 Insurance

K2 Insurance Agency LLC (“K2 Insurance,” “K2,” “we,” “us,” or “our”) is an independent insurance agency located at 1690 S Congress Avenue, Suite 109-8, Delray Beach, Florida 33445.

This website provides general information about K2 Insurance, the insurance products we may assist with, and the services we provide.

Informational Purposes Only

The content on this website is provided for general informational purposes only. Nothing on this website constitutes:

• An insurance policy, binder, endorsement, certificate, or contract
• A guarantee that coverage is available
• An offer to bind or modify insurance coverage
• Legal, tax, financial, or risk-management advice
• A representation that any particular insurance product is appropriate for you

Insurance coverage is governed exclusively by the terms, conditions, limitations, exclusions, endorsements, and declarations contained in the policy issued by the applicable insurance carrier.

If information on this website conflicts with an issued insurance policy, the policy documents control.

No Coverage Is Bound Through the Website

Submitting a form, requesting a quote, sending an email or text message, leaving a voicemail, uploading information, or communicating with K2 through this website does not create, bind, modify, renew, reinstate, or extend insurance coverage.

Coverage is not effective unless and until it has been approved by the applicable insurance carrier and confirmed in writing by an authorized representative of K2 Insurance or the carrier.

Do not cancel, replace, or allow existing insurance coverage to expire until you have received written confirmation that replacement coverage is in effect.

Insurance Quotes

Insurance quotes are estimates based on:

• The information provided by you
• Carrier rates and underwriting guidelines available at the time
• Preliminary eligibility information
• Available reports, inspections, and third-party data

A quote is not a guarantee of coverage, eligibility, premium, policy terms, or an effective date.

The final premium and coverage terms may change after underwriting review, inspection, verification of information, review of claims or driving history, consumer reports, insurance scoring, or changes in carrier rates and guidelines.

Insurance carriers have sole authority over final underwriting decisions, policy issuance, pricing, cancellations, and nonrenewals, subject to applicable law.

Accuracy of Information

You agree to provide complete, accurate, and current information when requesting a quote, applying for coverage, making a payment, or communicating with K2 Insurance.

Incorrect, incomplete, outdated, or omitted information may affect:

• Eligibility for insurance
• The accuracy of a quote
• The premium charged
• Policy issuance or continuation
• Coverage determinations
• The handling of a claim

You are responsible for reviewing applications, proposals, policy documents, identification cards, binders, certificates, and other insurance materials for accuracy. Notify us promptly if any information is incorrect or if your circumstances change.

Coverage Descriptions

Descriptions of insurance products on this website are summaries only. Coverage availability, limits, deductibles, exclusions, conditions, and eligibility requirements vary by carrier, policy, applicant, property, vehicle, business, and location.

Not all products are available in every area, and K2 Insurance does not represent every insurance carrier.

Electronic Communications

When you contact us electronically, you consent to receive responses relating to your inquiry through email, telephone, or other contact methods you provide.

Text-message communications are subject to the consent and opt-out terms described in our Privacy Policy and any disclosure presented when you provide your telephone number.

Electronic communications may not always be secure or delivered without interruption. Contact us directly if your request is urgent or relates to a time-sensitive coverage matter.

Website Availability and Accuracy

We make reasonable efforts to keep this website accurate, current, and available. However, insurance markets, carrier appetites, rates, eligibility requirements, and product availability can change without notice.

We do not guarantee that:

• Website content will always be complete or current
• Every product shown will be available
• The website will operate without interruption or error
• Website content will be free from technical inaccuracies
• A submitted request will be received or processed within a specific period

Third-Party Websites and Services

This website may contain links to websites, portals, tools, or services operated by insurance carriers and other third parties.

These links are provided for convenience only. K2 Insurance does not control and is not responsible for the availability, security, accuracy, content, terms, or privacy practices of third-party websites.

Your use of a third-party website is governed by that third party’s own terms and privacy policy.

Intellectual Property

Unless otherwise stated, the content of this website—including its text, graphics, logos, branding, design, photographs, icons, and other materials—is owned by or licensed to K2 Insurance Agency LLC and is protected by applicable intellectual-property laws.

You may view and print website content for your personal, noncommercial use. You may not reproduce, modify, distribute, publish, sell, license, or commercially exploit website content without our prior written permission.

Insurance carrier names, trademarks, and logos belong to their respective owners.

Acceptable Use

You may not use this website to:

• Submit false, misleading, fraudulent, or unauthorized information
• Impersonate another person or misrepresent your authority
• Attempt to access restricted systems, accounts, or information
• Introduce malware, malicious code, or harmful technology
• Disrupt or interfere with the website or its security
• Collect information about other users without authorization
• Violate any applicable law or regulation

We may restrict or terminate access to the website when we reasonably believe it is being misused.

Disclaimer of Warranties

To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

This disclaimer applies only to the website and its general content. It does not alter the terms of an issued insurance policy or eliminate any duty K2 Insurance owes under applicable insurance law.

Limitation of Liability

To the fullest extent permitted by law, K2 Insurance Agency LLC and its owners, officers, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Your use of or inability to use this website
• Your reliance on general website content
• Website interruptions, errors, or transmission failures
• Unauthorized access to or alteration of website communications
• Third-party websites or services

Nothing in these Terms limits liability or duties that cannot legally be limited, including obligations arising under applicable insurance law or an issued insurance policy.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

To the extent permitted by law, any legal proceeding relating to this website or these Terms shall be brought in a court of competent jurisdiction located in Palm Beach County, Florida.

Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect.

Changes to These Terms

We may update these Terms periodically to reflect changes in our website, services, operations, or legal requirements.

Changes become effective when posted on this page. The “Last Updated” date will identify the most recent revision.

Contact Us

Questions about these Terms may be directed to:

K2 Insurance Agency LLC

1690 S Congress Avenue, Suite 109-8, Delray Beach, Florida 33445

Email: Support@K2insure.com

Phone: (561) 749-9993