Terms of Use

Website Terms and Conditions

Welcome to the Benchmark Insurance website. These Terms of Use govern your access to and use of this website and the information, features, forms, and resources available through it.

By using this website, you agree to these Terms of Use. If you do not agree with these terms, please discontinue use of the website.

About This Website

This website is operated by Benchmark Insurance, an insurance agency located in Johnson City, Tennessee.

The website is intended to provide general information about Benchmark Insurance, available insurance products and services, claims resources, contact options, and other insurance-related information.

Information on this website is provided for general informational purposes and should not be considered a substitute for the terms, conditions, exclusions, limits, and provisions contained in an actual insurance policy.

Insurance Coverage Is Not Bound Through This Website

Submitting a contact form, requesting a quote, sending an email, leaving a voicemail, or communicating through this website does not create, bind, modify, renew, extend, or cancel insurance coverage.

Coverage is only effective when it has been properly confirmed through the applicable insurance carrier and authorized insurance representative.

Do not rely on a website submission or electronic message to make changes to an existing policy or to assume new coverage has taken effect.

If you need immediate confirmation regarding coverage, policy changes, cancellations, or effective dates, contact Benchmark Insurance directly at (423) 430-8422.

Insurance Quotes

Any quote, estimate, rate indication, or coverage information provided through or in connection with this website is subject to additional information, underwriting requirements, eligibility, carrier approval, policy terms, and other applicable conditions.

A request for a quote does not guarantee that insurance coverage will be available or that a particular premium, deductible, limit, discount, or coverage option will apply.

Final coverage and pricing are determined by the applicable insurance carrier and the terms of the issued policy.

Policy Terms Control

Descriptions of insurance products and coverage provided on this website are general summaries only.

Actual coverage varies by insurance carrier, policy, location, eligibility, selected limits, endorsements, exclusions, and other factors.

If information on this website differs from the language contained in an issued insurance policy, endorsement, declaration, or other policy document, the applicable insurance contract controls.

Please review your policy documents carefully and contact Benchmark Insurance with questions about your specific coverage.

Availability of Insurance Products

Insurance products and coverage options may not be available in every state, location, situation, or circumstance.

Eligibility and availability may depend on carrier guidelines, underwriting requirements, licensing, property location, vehicle information, business operations, claims history, and other factors.

The inclusion of an insurance product or coverage type on this website does not guarantee that Benchmark Insurance can provide that coverage in every situation.

Website Information

Benchmark Insurance works to provide useful and accurate information, but insurance products, carrier requirements, regulations, coverage options, and other information may change.

We do not guarantee that every page of this website will always be complete, current, or free from errors.

If you have questions about information appearing on the website, contact Benchmark Insurance before making an insurance-related decision based on that information.

Claims Information

Information provided on the Claims page is intended as general guidance.

Claims are evaluated and handled according to the terms of the applicable insurance policy and the procedures of the insurance carrier.

Benchmark Insurance may help you locate carrier information, understand the general claims process, or communicate with your insurance company, but claim decisions, payments, investigations, and settlements are ultimately handled according to the applicable policy and carrier procedures.

For emergencies involving injury, danger, fire, crime, or other immediate threats, contact the appropriate emergency services before contacting Benchmark Insurance.

Third-Party Websites and Insurance Carriers

This website may contain links to insurance carriers, social media platforms, claims portals, payment systems, or other third-party websites.

These links are provided for convenience and informational purposes.

Benchmark Insurance does not control third-party websites and is not responsible for their content, availability, security, accessibility, privacy practices, or terms of use.

When you leave the Benchmark Insurance website, the terms and policies of the third-party website apply.

Intellectual Property

Unless otherwise indicated, the Benchmark Insurance name, website design, written content, graphics, page layouts, and other original materials appearing on this website are owned by or licensed for use by Benchmark Insurance.

Insurance carrier names, trademarks, logos, and other third-party intellectual property belong to their respective owners.

You may view and use website content for personal, noncommercial informational purposes.

You may not reproduce, republish, distribute, modify, sell, or commercially exploit website content without appropriate permission.

Acceptable Use

You agree not to use this website in a way that interferes with its operation, security, or availability.

You may not:

Attempt to gain unauthorized access to the website or related systems
Introduce malicious software, harmful code, or automated attacks
Submit knowingly false, fraudulent, or misleading information
Use website forms to send spam or unlawful communications
Attempt to collect information about other website users
Use the website for unlawful or abusive purposes
Impersonate another person or organization

Benchmark Insurance may restrict access to the website when reasonably necessary to protect the website, business, or other users.

Electronic Communications

When you submit a form, send an email, or otherwise contact Benchmark Insurance electronically, you consent to receiving responses through the contact information you provide.

Electronic communications may not always be secure or immediately received.

Do not use general website forms or ordinary email to send highly sensitive information such as Social Security numbers, passwords, banking credentials, or payment-card information unless specifically instructed to use an appropriate secure method.

Privacy

Your use of this website is also subject to the Benchmark Insurance Privacy Policy, which explains how information submitted through or collected by the website may be handled.

Link: VIEW PRIVACY POLICY

No Professional Advice Beyond Insurance Services

General information on this website should not be interpreted as legal, tax, financial, accounting, safety, or other professional advice.

When those issues affect your situation, consult an appropriately qualified professional.

Insurance recommendations provided directly by Benchmark Insurance will depend on the information you provide and the products and coverage options available for your circumstances.

Website Availability

Benchmark Insurance may update, modify, suspend, or discontinue portions of this website at any time.

We do not guarantee that the website, forms, carrier links, or other online features will be available continuously or without interruption.

If you are unable to reach Benchmark Insurance through the website, please contact the office directly.

Disclaimer of Warranties

This website and its content are provided for general informational use.

To the extent permitted by applicable law, Benchmark Insurance makes no warranty that the website will always be uninterrupted, error-free, secure, or completely current.

Nothing in these Terms limits any rights or protections that cannot legally be waived.

Limitation of Liability

To the extent permitted by applicable law, Benchmark Insurance will not be responsible for indirect, incidental, or consequential losses arising solely from use of, inability to use, or reliance on this website or third-party websites linked from it.

This provision does not limit liability that cannot lawfully be excluded or limited.

Insurance claims and coverage disputes remain governed by the applicable insurance policy, law, and carrier obligations rather than these website Terms of Use.

Changes to These Terms

Benchmark Insurance may update these Terms of Use periodically to reflect changes in the website, services, business practices, or legal requirements.

Updated terms will be posted on this page along with a revised effective date.

Your continued use of the website following an update constitutes acceptance of the revised Terms of Use to the extent permitted by applicable law.

Governing Law

These Terms of Use are intended to be governed by the laws applicable to Benchmark Insurance in the State of Tennessee, without limiting any rights that may apply under federal law or the laws of another jurisdiction.

I would have an attorney specifically review this section before launch if Benchmark wants language dealing with venue, dispute resolution, arbitration, or waiver of jury trial. I would not add those provisions casually.

Severability

If any portion of these Terms of Use is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

Contact Benchmark Insurance

If you have questions about these Terms of Use or the Benchmark Insurance website, please contact us.

Benchmark Insurance
409 West Oakland Avenue
Johnson City, TN 37604

Phone: (423) 430-8422
Email: mattlove627@yahoo.com

Office Hours: Mon – Fri: 8:30 AM – 5:00 PM

Get in touch