- Legal
Terms of Service
Last Updated: August 26, 2026
Welcome to Madrona Insurance (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website located at www.madronainsurance.com (the “Site”), as well as our communications, insurance quoting services, and SMS/text messaging programs.
By accessing our Site or communicating with us electronically, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our Site or services.
Contents
1. Insurance Services & No Direct Binding
Information Only: Information presented on our Site is for informational purposes and does not constitute a formal binder, policy contract, or guaranteed offer of insurance.
Quotes & Binding Coverage: Insurance quotes provided online, via email, or by text are estimates based on the information you submit and are subject to carrier underwriting approval, verification, and policy terms. No insurance coverage is bound, altered, or canceled until explicitly confirmed in writing by an authorized representative of Madrona Insurance or the issuing insurance carrier.
2. SMS / Text Messaging Terms
Madrona Insurance offers conversational and informational SMS/text messaging to provide policy service, renewal alerts, quote details, and account notifications.
Consent & Opt-In: By providing your mobile phone number on our web forms or during customer inquiries, you expressly consent to receive non-marketing and transactional SMS/text messages from Madrona Insurance.
Message Frequency: Messaging frequency may vary based on your inquiries, active quote requests, and policy servicing needs.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier and mobile service plan.
Opt-Out Instructions (STOP): You can cancel SMS notifications at any time. Text STOP to any message you receive from us. You will receive a one-time confirmation message of your opt-out, and no further SMS messages will be sent to your number unless you re-subscribe.
Help & Customer Support (HELP): If you need assistance or have questions about our text program, text HELP in response to any text message, email us at john@madronainsurance.com, or visit www.madronainsurance.com..
Carrier Liability Disclaimer: Mobile carriers (e.g., AT&T, T-Mobile, Verizon, etc.) are not liable for delayed or undelivered messages.
3. Accuracy of Information
You agree to provide accurate, complete, and current information when submitting quote requests, policy applications, or policy endorsement requests. Inaccurate or omitted information may result in incorrect quotes, denied applications, coverage disputes, or policy cancellation by the issuing carrier.
4. Intellectual Property
All content, branding, text, graphics, logos, and software on this Site are the property of Madrona Insurance or its licensors and are protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or republish any site material without our prior written consent.
5. Third-Party Links & Carrier Portals
Our Site may contain links to external third-party websites, including insurance carrier portals, bill payment processors, and claims reporting portals. We do not control or endorse these external sites and are not responsible for their content, security, or privacy practices.
6. Disclaimer of Warranties
The Site and all services are provided on an “as is” and “as available” basis without warranties of any kind, either 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, error-free, or free from viruses or other harmful components.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Madrona Insurance, its owners, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, reliance on site content, or SMS communications, even if advised of the possibility of such damages.
8. Governing Law
These Terms and any disputes arising out of or related to your use of the Site or services shall be governed by and construed in accordance with the laws of the State of Connecticut, without regard to conflict of law principles.
9. Changes to These Terms
We reserve the right to modify or replace these Terms at any time. Changes will take effect immediately upon posting to this page with an updated “Last Updated” date. Your continued use of the Site or our communication channels constitutes acceptance of the updated Terms.
10.Contact Information
For questions, concerns, or requests regarding these Terms of Service, please contact us at:
- Agency:
- Madrona Insurance
- Email:
- john@madronainsurance.com
- Website:
- www.madronainsurance.com