Terms of Service
Last updated: July 5, 2025
Acceptance of Terms
By accessing coffeyagencies.com (the "Site"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Site.
Our Role
Coffey Agencies Inc. is an exclusive insurance agency representing a single A+-rated national insurance carrier. We are not a broker that compares multiple companies.
No Coverage Bound Online
No coverage, policy change, or claim is bound, amended, or reported via this Site or by email or voicemail. Coverage is effective only after we confirm acceptance in writing and the insurer issues a policy or endorsement.
Quotes & Illustrations
Information on this Site, including quote estimates, is subject to underwriting approval, policy terms, state availability, and applicable law. We do not guarantee that any consumer will qualify for a given rate or coverage.
Service Area
Our products and services are offered only to residents of Alabama and Georgia. By using the Site, you represent that you are a legal resident of one of these states.
Intellectual Property
All content, logos, graphics, and software on the Site are the property of Coffey Agencies Inc. or its licensors and are protected by U.S. copyright and trademark laws. You may not copy, modify, or distribute any part of the Site without our prior written consent.
User Conduct
You agree not to:
- Use the Site for any unlawful purpose;
- Submit false or misleading information;
- Attempt to gain unauthorized access to our systems;
- Reverse-engineer or scrape Site content.
Limitation of Liability
To the fullest extent permitted by law, Coffey Agencies Inc. will not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Site or inability to obtain coverage, even if we have been advised of the possibility of such damages.
Disclaimer of Warranties
The Site and its content are provided "as is" and "as available." We disclaim all warranties, express or implied, including any warranty of merchantability, fitness for a particular purpose, or non-infringement.
Indemnification
You agree to indemnify and hold Coffey Agencies Inc., its officers, and employees harmless from any claim or demand arising out of your misuse of the Site or violation of these Terms.
Governing Law & Venue
These Terms are governed by the laws of the State of Alabama without regard to its conflict-of-law principles. Any dispute will be resolved in a state or federal court located in Cherokee County, Alabama.
Changes to Terms
We may modify these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
Contact
Questions? Contact us at legal@coffeyagencies.com or the postal address listed in our Privacy Policy.