Terms of Use

Effective Date: April 16, 2026  |  Last Updated: April 16, 2026

These Terms of Use ("Terms") govern your access to and use of the Bridging Insurance Group website ("Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About This Website

This Site is operated by Bridging Insurance Group, an independent insurance agency licensed in multiple states. The Site is intended to provide general information about our insurance services and to facilitate communication between prospective clients and our agency.

2. Not Insurance Advice

The information provided on this Site is for general informational purposes only and does not constitute insurance advice, a recommendation, or an offer to sell any insurance product. No agent-client relationship is formed by your use of this Site or by submitting a contact form. A formal relationship is established only through a signed agreement or application for coverage.

Insurance coverage, benefits, premiums, and availability vary by carrier, plan, location, and individual circumstances. Always review the specific terms of any insurance policy before making coverage decisions.

3. Eligibility

You must be at least 18 years of age to use this Site or to submit personal information through our contact form. By using the Site, you represent that you meet this requirement.

4. Accuracy of Information

We make reasonable efforts to ensure that the information on this Site is accurate and current. However, we do not warrant or guarantee that any information on the Site is complete, accurate, reliable, or error-free. Insurance products, carriers, premiums, and regulations are subject to change without notice.

5. Intellectual Property

All content on this Site, including text, graphics, logos, icons, images, and software, is the property of Bridging Insurance Group or its licensors and is protected by United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, display, or create derivative works of any content without our prior written consent.

6. Permitted Use

You may use this Site for lawful purposes only. You agree not to:

• Use the Site in any manner that could damage, disable, or impair its functionality
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Use any automated system (bot, scraper, spider) to access the Site without our written permission
• Submit false, misleading, or fraudulent information through any form on the Site
• Use the Site to transmit any unsolicited commercial communication

7. Third-Party Links

This Site may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party sites. Accessing third-party sites is at your own risk.

8. Contact Form Submissions

When you submit information through our contact form, you consent to our collection and use of that information as described in our Privacy Policy. You also acknowledge our HIPAA Notice of Privacy Practices regarding the handling of any health-related information.

9. Limitation of Liability

To the fullest extent permitted by law, Bridging Insurance Group, its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, the Site. This includes, without limitation, damages for loss of data, profits, or goodwill.

In no event shall our total liability to you exceed one hundred dollars ($100).

10. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

11. Indemnification

You agree to indemnify, defend, and hold harmless Bridging Insurance Group and its agents, employees, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Minnesota, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Minnesota.

13. Consumer Disclosures

• Bridging Insurance Group is a licensed insurance agency operating in multiple states.
• Our services as an insurance agent are compensated through commissions paid by insurance carriers. There is no additional cost to you for using our services.
• We are not affiliated with or endorsed by any state government, the Centers for Medicare & Medicaid Services (CMS), or any other government agency.
• Consumers may file complaints with the Department of Insurance or Department of Commerce in their state of residence.

14. Severability

If any provision of these Terms 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.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

16. Contact Us

If you have questions about these Terms of Use, please contact us:

Bridging Insurance Group
Email: [email protected]
Phone: (651) 321-2500