Effective Date: August 5, 2026

Company Name: IMD Insurance Agency (“IMD Insurance”, “we”, “us”, or “our”)

Website: https://imdins.com / https://generalliability.imdins.com

1. Acceptance of Terms

By accessing our website, submitting information through our forms, or requesting our insurance services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to all of these terms, please do not use our website or services.

2. Nature of Insurance Services

  • Not a Binder of Insurance: Submitting a quote request, scheduling a portfolio review, or interacting with our content does not constitute an official binder or issuance of insurance coverage. Insurance policies are only bound and activated through formal written agreements issued directly by licensed carriers and authorized representatives of IMD Insurance Agency.
  • Professional Consultation: Information provided on our website and through our marketing campaigns is for general informational and educational purposes regarding commercial insurance (including General Liability) and should not be taken as formal legal or financial advice.

3. SMS / Text Messaging Terms

By checking the consent box on our forms, you opt-in to receive communications (including text messages regarding your General Liability insurance review, quotes, and non-marketing updates) from IMD Insurance Agency:

  • Message Frequency: Frequency varies based on your requests and ongoing portfolio review status.
  • Opt-Out: You can cancel the SMS service at any time by texting “STOP” to the number from which you received the message. After sending “STOP”, you will receive a confirmation message, and we will no longer send you SMS messages.
  • Help: For assistance, reply “HELP” or contact our support team directly.
  • Carriers: Carriers are not liable for delayed or undelivered messages. Standard message and data rates may apply.

4. User Conduct and Accurate Information

When you submit information via our forms, you agree to provide accurate, current, and complete details regarding your business and insurance needs. IMD Insurance Agency is not responsible for inaccurate quotes or delayed evaluations resulting from false or outdated user information.

5. Intellectual Property Rights

All content, logos, branding, text, graphics, and software scripts on this website and landing pages are the exclusive property of IMD Insurance Agency and are protected under applicable intellectual property laws. You may not copy, reproduce, or distribute any material without express written consent.

6. Limitation of Liability

To the maximum extent permitted by law, IMD Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website, forms, or reliance on information provided during consultations.

7. Changes to These Terms

We reserve the right to modify or update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after changes are posted constitutes your acceptance of the revised terms.

8. Contact Information

If you have any questions regarding these Terms of Service, please reach out to us through our main agency website at imdins.com.