Terms of Use
These Terms of Use govern your use of www.hbginsure.com (the “site”), operated by Horizon Insure Business Group (“we”, “us”). By using the site you agree to these terms. If you do not agree, please do not use the site.
Information only, not advice or a quote
Articles, tools, calculators, checklists and chat assistant answers on this site are general information. They are not legal, tax or financial advice, and they are not an offer, quote or binder of insurance. Savings figures and case studies describe past results for specific clients and do not guarantee similar outcomes for your business.
Coverage cannot be bound, changed or cancelled through this site. Any policy is subject to carrier underwriting, the terms of the policy actually issued, and a written confirmation from us.
Chat assistant
The on-site assistant is automated. It answers from content published on this site and may not reflect your specific situation. For decisions about your coverage, speak with Chris Fisher directly at 215-370-6019. Do not share sensitive personal or health information in the chat.
Requests you submit
When you request a Plan Design Audit or plan comparison, you agree to provide accurate information and confirm you are authorized to share it on behalf of your organization. How we handle that information is described in our Privacy Policy.
Acceptable use
- Do not attempt to disrupt, overload or gain unauthorized access to the site or its systems.
- Do not use automated tools to scrape the site or submit forms in bulk.
- Do not submit false information or impersonate another person or business.
Intellectual property
The site's content, design, logos and graphics belong to Horizon Insure Business Group or its licensors. You may share links and quote brief excerpts with attribution. Any other reproduction requires our written permission. Carrier names and logos are trademarks of their respective owners and appear only to identify companies we work with.
Third-party services and links
The site embeds and links to services operated by others, such as our CRM form provider. We are not responsible for their content or practices, and your use of them is subject to their own terms.
Disclaimer and limitation of liability
The site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Horizon Insure Business Group is not liable for any indirect, incidental or consequential damages arising from your use of, or inability to use, the site or its content.
Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law rules.
Changes to these terms
We may update these terms from time to time. The “last updated” date above shows when they were last revised, and continued use of the site means you accept the current version.
Contact
Questions about these terms? Email chris@hbginsure.com or call 215-370-6019.