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The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by Angel Family Insurance, but are provided 'as is' and for general informational purposes.
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These statements do not amend, modify or supplement any insurance policy.
Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you.
Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.
If there is a discrepancy between information contained herein and your policy, your policy takes precedence. There is no intentionally misleading information contained in this website, however, Angel Family Insurance s, takes no responsibility for errors.
We will endeavor to correct or clarify any incorrect information.
As a convenience to our users, we offer links to certain websites created and maintained by other public and/or private entities. Angel Family Insurance has no control over linked sites and cannot guarantee, or be held responsible for, materials found on other sites.
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Ilimitation of Liability
To the maximum extent provided by law Angel Family Insurance shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.
At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by the carriers insurances, please contact your agent.
All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract.
To obtain coverage you must submit an application to Angel Family Insurance. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a your agent.
Online Live Chat Disclaimer
When using our chat feature, you certify under penalty of perjury that the information you are providing is accurate and true to the best of your knowledge and that you are the person applying for insurance coverage. You also understand and agree that failure to provide us with accurate and truthful information may result in your application for insurance being rejected returned or coverage ultimately being rescinded or cancelled.
You understand that any person who knowingly and with intent to defraud any insurance company, files and application for insurance with a stolen or illegally obtained credit/debit card or uses the credit/debit card of another without authority, commits an illegal credit card transaction, which is a crime.
Third-Party Translation Disclaimer
At times, Angel Family Insurance may use a third-party vendor to provide translation. Translation is provided for purposes of information and convenience only. Angel Family Insurance is unable to guarantee the accuracy of any translation provided by the third-party vendors and is therefore not liable for any inaccurate information or changes in the formatting of the content resulting from the use of the translation service.
Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the information contained in the translated content, please refer to the English version whenever appropriate.
of Record Disclaimer
When we execute the of Record, our agency assumes no responsibility for any deficiencies in the insurance policy until we have had a reasonable opportunity to make a review and to provide recommendations. It is also expressly understood and agreed that we assume no liability for any outstanding premiums or commissions.
Failure to provide additional information, when requested, may result in us not being able to perform a complete analysis of the risk and would not provide us with a reasonable opportunity to provide proper recommendations or identify potential deficiencies.
Claim Reporting Notification Disclaimer
Policyholders have a contractual obligation to report losses or incidents that could generate claims to the insurance carrier. Every insurance policy requires the insured to provide the insurer with timely notice of an occurrence and each policy outlines when and how claims need to be reported.
Although the exact policy language may vary, phrases such as “promptly,” “immediately” or “as soon as practicable” are quite typical. Prompt reporting to the insurer – no matter how small the claim appears – is a requirement of your policy. While some clients may wish to handle claims internally to avoid reporting to their carrier, any delay in reporting can spell disaster.
If a lawsuit is followed, and you have not complied with your policy’s provisions, your coverage and defense may be jeopardized.
Report all incidents to protect your rights under your policy. In the case that you feel payment will not be requested, then a claim can always be reported as “notice-only.” By reporting the notice-only loss, you have met the reporting requirements of your policy.
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By entering your information and submitting/sharing it with us through our website, affiliate partners, or by email or text, you agree to receive recurring marketing emails, calls (including artificial or prerecorded voice), and texts at the number or email address you provided Angel Family Insurance s and one or more of our insurance-related marketing partners via an auto-dialer, even if your number is on a Do Not Call list.
Consent is not a condition of purchase; opt-out anytime. Msg & data rates may apply.
General Insurance Policy Purchase Disclaimer
While Angel Family Insurance s (‘PPIB’) has made an effort to secure proposals from a broad range of insurance companies based upon the specifications you’ve provided, we cannot warrant that any particular insurance policy or insurance company will continue to meet your requirements now and in the future.
In addition, we cannot warrant that any particular insurance company’s Best’s Rating or financial condition will continue to remain unchanged in the future.
While insurance placement decisions are typically made by our clients without regard to any potential benefit to PPIB, PPIB may secure compensation in a variety of ways for services rendered, which could include service fees, fees, policy commissions and/or profit sharing/override commission paid by carriers, as well as interest or other income received from suppliers, vendors, or others.
Fraud Statement Disclosure
Any person who knowingly and with intent to defraud any insurance company, Angel Family Insurance or another person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.
Limited Policy/Contract Insurance Review Disclaimer
Scope of Review Disclaimer: In the event Angel Family Insurance s performs a limited review of a policy/contract shared with our agency by another person or company, our agency is not providing legal advice or a legal opinion concerning any portion of the insurance contract. Our agency is not undertaking to identify all potential liabilities that may arise under this contract. This review is provided for your information and should not be relied upon by third parties.
Any descriptions of insurance coverage(s) are subject to the terms, conditions, exclusion, and other provisions of the policies and any applicable laws or regulations. We strongly suggest that this contract be reviewed by your own legal counsel and/or your own insurance who represents you on this particular insurance policy.
Disclaimer of Liability: In no event shall our agent and its related, affiliated, and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the limited contract review.
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Although we work hard to keep this Web site secure, transferring information over the Internet cannot be guaranteed to be 100% secure and you are providing this information voluntarily and at your own risk.
These Disclaimers were last revised on January 01, 2024
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