By accessing or using the website and services of McDonough Insurance Services (“Company,” “we,” “our,” or “us”), located at mcdonoughinsuranceservices.com, you 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 website or services. These terms apply to all visitors, users, clients, and others who access or use our services.
McDonough Insurance Services is a licensed insurance brokerage serving businesses and families across California and beyond since 1981. Our services include, but are not limited to:
We act as an intermediary between you and insurance carriers, helping you find appropriate coverage for your specific needs.
McDonough Insurance Services acts as your insurance broker, not as the insurance company. We do not underwrite policies or make claim payment decisions. Our role is to assist you in identifying your insurance needs, obtaining quotes from various carriers, and facilitating the placement of coverage.
The terms, conditions, exclusions, and limitations of your insurance coverage are determined solely by the insurance policy issued by the carrier. You are responsible for reviewing your policy documents carefully and understanding your coverage.
While we strive to find the best coverage for your needs, we cannot guarantee that any specific coverage will be available or that claims will be paid. Coverage availability and claim decisions are at the sole discretion of the insurance carriers.
As our client, you agree to:
Failure to provide accurate information or comply with policy conditions may result in denial of claims or cancellation of coverage.
We treat all client information as confidential and will not disclose it to third parties except as necessary to provide our services, as required by law, or with your consent. Information may be shared with insurance carriers, underwriters, and service providers for the purpose of obtaining and servicing your insurance coverage. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your information.
All content on our website, including text, graphics, logos, images, and software, is the property of McDonough Insurance Services or its licensors and is protected by copyright and trademark laws. You may not:
No Legal or Financial Advice: The information provided on our website and through our services is for general informational purposes only and does not constitute legal, financial, or professional advice. You should consult with appropriate professionals for advice specific to your situation.
Website Accuracy: While we strive to keep our website content accurate and up-to-date, we make no warranties or representations about the completeness, accuracy, reliability, or availability of the website or information contained therein.
Third-Party Links: Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of these external sites.
To the fullest extent permitted by law, McDonough Insurance Services, its owners, employees, and agents shall not be liable for:
Some jurisdictions do not allow limitations on liability, so these limitations may not apply to you.
You agree to indemnify, defend, and hold harmless McDonough Insurance Services and its officers, directors, employees, agents, and successors from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms and Conditions, your use of our services, your provision of inaccurate information, or your violation of any law or rights of a third party.
Either party may terminate the broker-client relationship at any time by providing written notice. Upon termination, you remain responsible for any outstanding premiums, fees, or obligations. Termination of our relationship does not automatically cancel any insurance policies in force; you must contact the insurance carrier directly to cancel coverage.
Any disputes arising out of or relating to these Terms and Conditions or our services shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, to be held in Orange County, California. The decision of the arbitrator shall be final and binding.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in Orange County, California for any actions not subject to arbitration.
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website with an updated “Last Updated” date. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms. We encourage you to review these terms periodically.
