Effective Date: 8/15/2025

Please read these Terms of Use (“Terms”) carefully before using the bluecrabinsurance.com website (the “Site”) operated by Blue Crab Insurance Agency, LLC (“Blue Crab Insurance,” “us,” “we,” or “our”).

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of the terms, then you may not access the Site.

1. Website Content and Intellectual Property

• Ownership: The Site and all of its original content, features, and functionality (including but not limited to the text, graphics, logos, images, design, and organization) are owned by Blue Crab Insurance Agency, LLC and are protected by United States and international copyright, trademark, and intellectual property laws.
• Permitted Use: We grant you a limited, non-exclusive, non-transferable right to access and use the Site for your personal, non-commercial use, such as inquiring about insurance services or obtaining information. You may not copy, modify, distribute, sell, or lease any part of our Site content without our prior written consent.
• Prohibited Use: You agree not to use the Site:
  • For any unlawful purpose.
  • To solicit others to perform or participate in any unlawful acts.
  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others.
  • To transmit any form of malware, viruses, or any other destructive code.
  • To interfere with or circumvent the security features of the Site.

2. General Disclaimer of Information and Warranty

• Information Only: The content on this Site is provided for informational purposes only. While we strive to ensure the information is accurate, we do not warrant the completeness, reliability, or accuracy of this information. Insurance policies, coverages, terms, and prices described on this Site are subject to change and may not be guaranteed until a formal application is accepted by an insurance carrier.
• No Professional Advice: The information provided on this Site does not constitute professional insurance, legal, tax, or other advice. You should consult directly with a licensed Blue Crab Insurance agent for advice tailored to your specific situation. The insurance information provided is for general guidance only and is not a substitute for a formal consultation with a licensed agent.
• Warranty Disclaimer: The Site is provided on an “AS IS” and “AS AVAILABLE” basis. Blue Crab Insurance Agency, LLC makes no warranties, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.ted information as “Device Information.”

3. Limitation of Liability and Indemnification

• Limitation of Liability: In no event shall Blue Crab Insurance Agency, LLC, its owners, agents, employees, or affiliates, be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Site; (ii) any content obtained from the Site; and (iii) unauthorized access, use, or alteration of your transmissions or content.
• Indemnification: You agree to defend, indemnify, and hold harmless Blue Crab Insurance Agency, LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of your use of the Site or a breach of these Terms.
• Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site.

4. Links to Third-Party Sites

The Site may contain links to third-party websites or services that are not owned or controlled by Blue Crab Insurance Agency, LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Blue Crab Insurance Agency, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

5. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Albany County, New York, to resolve any legal matter arising from these Terms or your use of the Site.

6. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms.

7. Contact Information

If you have any questions about these Terms, please contact us at:

Email: info@bluecrabinsurance.com

Mail: Blue Crab Insurance Agency, LLC PO Box 11183 Albany, NY 12211