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TERMS & CONDITIONS

Your Trust, Our Commitment

Important Notice: Please read these terms and conditions carefully before using our insurance services. By accessing our website and services, you agree to be bound by these terms.

1. Definitions and Interpretation

In these Terms and Conditions, unless the context otherwise requires:

"Company," "we," "us," or "our" refers to Forbes Insurance Agencies

"Client," "you," or "your" refers to the person or entity using our services

"Services" refers to all insurance products, advice, and related services provided

"Website" refers to our online platform and all associated digital services

"Policy" refers to any insurance contract or agreement entered into

2. Acceptance of Terms

By accessing our website, requesting quotes, purchasing insurance products, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

These terms constitute a legally binding agreement between you and Forbes Insurance Agencies. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on our website.

3. Services Provided

We provide comprehensive insurance services including but not limited to:

Insurance policy quotes and comparisons

Policy sales and administration

Claims processing and support

Risk assessment and consultation

Customer service and policy management

4. Client Responsibilities

As a client, you agree to:

Provide accurate, complete, and truthful information in all applications and communications

Pay all premiums and fees when due

Notify us promptly of any changes that may affect your coverage

Comply with all policy terms and conditions

Report claims promptly and cooperate fully in the claims process

Maintain the security of your account information

5. Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Virginia privacy laws and federal regulations including HIPAA where applicable. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms and Conditions.

You consent to our collection and use of your personal information for the purposes of providing insurance services, processing claims, and meeting Virginia regulatory requirements. We may share information with insurance companies, reinsurers, and other parties as necessary to provide our services and as permitted or required by Virginia law.

6. Payment Terms

All premiums and fees are due as specified in your policy documents or service agreements. We accept various payment methods as indicated on our website. Late payments may result in policy cancellation or service interruption.

Refunds, if applicable, will be processed according to the specific terms of your insurance policy and applicable Virginia regulations. Administrative fees may apply to certain transactions.

7. Limitation of Liability

To the maximum extent permitted by Virginia law, our liability is limited to the amount of premiums paid for the specific service in question. We shall not be liable for any indirect, consequential, or punitive damages.

We make no warranties regarding the continuous availability of our services or website. While we strive to provide accurate information, we cannot guarantee the completeness or accuracy of all content.

Important: Insurance coverage is subject to policy terms, conditions, and exclusions. This website and these terms do not constitute an insurance contract. Actual coverage is determined by the insurance policy issued by the insurance company.

8. Claims Process

Claims must be reported promptly according to the procedures outlined in your policy. We will assist you throughout the claims process, but the final decision on claim settlements rests with the insurance company.

You must cooperate fully in the investigation of claims and provide all requested documentation. Failure to cooperate may result in claim denial.

9. Cancellation and Termination

Either party may terminate services with appropriate notice as specified in individual agreements. Insurance policies may be cancelled according to the terms specified in each policy and Virginia insurance regulations.

Forbes Insurance Agencies reserves the right to terminate services immediately for breach of these terms, fraudulent activity, or other serious violations.

10. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of the Commonwealth of Virginia and the United States. Any disputes arising from these terms or our services will be resolved through binding arbitration or in the courts of Fairfax County, Virginia.

We encourage clients to contact us directly to resolve any concerns before pursuing formal legal action. All disputes shall be subject to the jurisdiction of Virginia state courts and applicable federal courts.

11. Regulatory Compliance

Forbes Insurance Agencies is licensed and regulated by the Virginia State Corporation Commission Bureau of Insurance. Our services are provided in compliance with all applicable Virginia insurance laws and regulations, as well as federal regulations.

We operate under Virginia insurance agent licenses and maintain appropriate errors and omissions coverage. License numbers and regulatory information are available upon request or on our website's regulatory disclosure page.

12. Contact Information

If you have questions about these Terms and Conditions or our services, please contact Forbes Insurance Agencies:

Address:

- 1760 Reston Parkway, Suite 411 Reston, VA 20190

Phone:

- 703-448-3000

-703-773-7301

Email:

-703-773-7301

Business Hours:

-Monday - Thursday: 8:30am to 5:30pm

-Friday: 9:00am to 5:00pm

-Saturday & Sunday: Closed

-We are located in Fairfax County, Virginia, and serve clients throughout the Commonwealth of Virginia and beyond.

Last Updated: September 2025 | Version 1.0

Forbes Insurance Agencies are a Virginia Based Insurance Agency. We are a leading provider of insurance services to Virginia, DC, Maryland, West Virginia & Delaware.