Terms of Use
Last Updated: September 30, 2026
Welcome to the Laurel & Pine Group website. These Terms of Use (“Terms”) govern your access to and use of this website and any content, features, or services made available through it. By using this website, you agree to these Terms. If you do not agree, please do not use this website.
1. General Information
The information on this website is for general informational purposes only and to help consumers learn about insurance products and services. Nothing on this website should be interpreted as a guarantee of insurance coverage, pricing, eligibility, or availability.
2. Insurance Quotes and Coverage
Any quote request submitted through this website is a request for information only. Submitting a quote request does not create an insurance policy, bind coverage, guarantee a particular premium or rate, or modify existing coverage.
Coverage is subject to underwriting requirements and the terms, conditions, limitations, and exclusions of the applicable insurance policy. The terms of an issued policy control in the event of any difference between information presented on this website and the policy.
3. Accuracy of Information
We strive to provide accurate and current information but do not guarantee that all content is complete, error-free, or up to date.
Insurance products, eligibility requirements, rates, features, and availability may change without notice.
4. Your Information
You agree to provide accurate and complete information when submitting information through this website.
Our collection and use of personal information is described in our Privacy Policy.
5. Electronic Communications
By providing your contact information, you authorize us to contact you regarding your inquiry using the information you provide, subject to applicable law.
Separate consent may be obtained where required for marketing calls or text messages. Consent to receive marketing communications is not a condition of purchasing insurance.
6. Permitted Use
You may use this website only for lawful purposes.
You agree not to interfere with the website’s operation, attempt unauthorized access, introduce malicious or harmful technology, scrape or improperly collect content or information, impersonate others, or knowingly submit false or misleading information.
7. Intellectual Property
Website content is owned by or licensed to Laurel & Pine Group and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, publish, or commercially exploit website content without permission, except as otherwise permitted by law.
8. Third-Party Websites
This website may contain links to third-party websites or services. Laurel & Pine Group is not responsible for the content, availability, security, or privacy practices of third-party websites.
Your use of third-party websites is subject to their respective terms and policies.
9. No Professional Advice
Information on this website is general in nature and should not be considered legal, tax, financial, or other professional advice.
Insurance needs and circumstances vary. You should discuss your specific insurance needs with an appropriately licensed insurance professional.
10. Website Availability
We may modify, suspend, restrict, or discontinue any part of this website at any time.
We do not guarantee that the website will always be available, uninterrupted, secure, or error-free.
11. Disclaimer of Warranties
To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
12. Limitation of Liability
To the fullest extent permitted by applicable law, Laurel & Pine Group will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your access to or use of this website.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
13. Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with a revised “Last Updated” date.
Your continued use of the website after changes are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.
14. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, except where applicable federal law controls.
15. Contact Us
If you have questions about these Terms, please contact Laurel & Pine Group through the contact information provided on this website.