Terms of Service
Last updated: January 2026
These Terms of Service ("Terms") govern your access to and use of the BLD Insurance Agency website and any related quote, application, or communication services (collectively, the "Services"). By using the Services, you agree to these Terms.
1. About BLD
BLD Insurance Agency is a licensed insurance producer (NIPR #17881969). We are an independent agency and may be appointed with multiple insurance carriers. We are not an insurance company and do not issue policies.
2. Not an offer of insurance
Information on this website is for general informational purposes only and does not constitute an offer to sell, or a solicitation to buy, insurance in any jurisdiction where BLD or the referenced carrier is not licensed. Quotes are estimates only and are not a binding offer of coverage. Actual rates, coverage, and availability depend on underwriting, applicable state law, and the terms of each carrier's policy.
3. Consent to contact
By submitting a form or otherwise contacting us, you authorize BLD Insurance Agency and its licensed agent, Barbara, to contact you by phone, email, or (if you opt in) SMS about your inquiry, even if your number is on a Do Not Call list. This authorization is not a condition of purchase. See our SMS Terms for text messaging details and our Privacy Policy for how we use your information.
4. Accuracy of information
You agree to provide accurate, current, and complete information. Providing false or misleading information may result in denial or rescission of coverage by a carrier.
5. Acceptable use
You agree not to (a) use the Services for any unlawful purpose; (b) attempt to interfere with or disrupt the Services; (c) reverse-engineer any portion of the Services; or (d) submit information about another person without their authorization.
6. Intellectual property
All content on this website, including text, graphics, logos, and layouts, is owned by or licensed to BLD Insurance Agency and protected by intellectual property laws. You may not reproduce or distribute content without our written permission.
7. Third-party links
The Services may link to third-party websites (including carriers). We do not control and are not responsible for those sites' content or practices.
8. Disclaimers
The Services are provided "as is" and "as available." To the fullest extent permitted by law, BLD disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Nothing on this website constitutes legal, tax, or financial advice.
9. Limitation of liability
To the fullest extent permitted by law, BLD Insurance Agency and its agents, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.
10. Governing law
These Terms are governed by the laws of the state in which BLD Insurance Agency is domiciled, without regard to conflict-of-laws principles. Any dispute will be resolved in the courts located in that state, unless applicable law requires otherwise.
11. Changes
We may modify these Terms at any time. Updates take effect when posted. Continued use of the Services after changes constitutes acceptance of the revised Terms.
12. Contact
Questions? Reach us through our Contact page, by phone at 860-818-8673 (cell) or 1-571-576-6885 (office), or by email at brugar.sfg@gmail.com.