These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "user") and Kevin Huggett Agency, the operator of CommercialFloodQuote.com ("we," "us," or "our"). By accessing or using this website — including the flood zone lookup tool, quote request forms, and all content — you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you are using this website on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.
CommercialFloodQuote.com provides information about commercial flood insurance options and facilitates quote requests for businesses seeking flood insurance coverage. We are a licensed independent insurance agency operating in Wisconsin, Michigan, and Illinois. Our services include:
We are licensed to sell and service insurance products in Wisconsin, Michigan, and Illinois. We do not provide services in states where we are not licensed. Use of this website does not constitute the purchase of insurance coverage.
Flood zone classifications, coverage descriptions, premium estimates, and other information presented on this website are provided as general guidance only. Actual coverage terms, conditions, exclusions, and premiums vary by carrier, property, location, and individual underwriting factors. Only a policy issued by a licensed insurance carrier constitutes an actual insurance contract.
We strongly encourage you to review all policy documents carefully and consult with a licensed insurance professional — including our own agents — before making any coverage decisions. Nothing on this website should be relied upon as a substitute for professional insurance counsel tailored to your specific circumstances.
Submitting a quote request form on this website does not constitute an application for insurance, a binding of coverage, or any obligation on the part of any insurance carrier to offer or provide coverage. Coverage is not in effect until:
Submitting a quote request through this website creates no contractual obligation on the part of Kevin Huggett Agency or any insurance carrier. We will use your submitted information to contact you and work toward obtaining coverage on your behalf, but the initiation of that process is not a guarantee of coverage.
You agree to provide accurate, complete, and truthful information when using this website, including when submitting quote request forms. You acknowledge that:
We are not liable for consequences arising from inaccurate information you provide, including inaccurate quotes or coverage that does not meet your needs because it was based on incorrect information.
The flood zone lookup tool on this website queries FEMA's publicly available National Flood Hazard Layer (NFHL) via FEMA's ArcGIS REST API. Results are provided for general informational purposes only. You acknowledge that:
We make no warranties regarding the accuracy, completeness, or fitness for purpose of flood zone lookup results.
You agree to use this website only for lawful purposes and in accordance with these Terms. You agree NOT to:
All content on this website — including but not limited to text, graphics, logos, page layouts, tool designs, and code — is the property of Kevin Huggett Agency or its content licensors and is protected by applicable copyright, trademark, and other intellectual property laws. The CommercialFloodQuote.com name and branding are proprietary.
You are granted a limited, non-exclusive, non-transferable license to access and use this website for your personal, non-commercial use in connection with obtaining commercial flood insurance information and quotes. No other rights are granted. You may not reproduce, modify, distribute, or create derivative works from website content without our express written permission.
This website may contain links to third-party websites, including FEMA resources, insurance carrier sites, and regulatory agencies. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party sites is at your own risk and subject to their respective terms and policies.
THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that this website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on this website, including flood zone data, coverage descriptions, or premium information.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KEVIN HUGGETT AGENCY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR THESE SERVICES, INCLUDING BUT NOT LIMITED TO:
In no event shall our total liability to you for all claims arising from use of this website exceed one hundred dollars ($100.00). Some jurisdictions do not allow certain limitations of liability, so the above may not apply to you in full.
You agree to indemnify, defend, and hold harmless Kevin Huggett Agency and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of this website; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) inaccurate information you provide through this website.
These Terms are governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law principles. Any dispute arising under or related to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Wisconsin, and you consent to personal jurisdiction in those courts.
Before initiating formal legal proceedings, you agree to contact us in good faith to attempt to resolve any dispute informally. Most concerns can be resolved quickly by calling us at (920) 785-5019 or emailing kevinhuggett@kevinhuggettagency.com.
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Changes are effective immediately upon posting. Your continued use of this website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Material changes that significantly affect your rights or obligations will be communicated prominently on the website when feasible.
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kevin Huggett Agency with respect to your use of this website and supersede all prior agreements and understandings.
If you have questions about these Terms of Service, please contact us:
Kevin Huggett Agency is a licensed insurance agency serving businesses in Wisconsin, Michigan, and Illinois.