Website Terms of Use

2. No Insurance Policy or Coverage Binder

Submitting an inquiry, contact form, or online quote request through this website does NOT bind, alter, or guarantee insurance coverage.

The materials, rate indications, and product descriptions on this website are provided strictly for informational and educational purposes. No insurance policy is issued or in force until an application has been fully evaluated by the underwriting insurance carrier, premium payment arrangements have been verified, and formal written binder documentation has been issued by an authorized representative of Sky First Insurance LLC or the underwriting company.

3. Accuracy of Submitted Information & Statutory Fraud Warning

You agree that all information you submit through this website—including vehicle identification numbers, driver history, property details, and business revenue—is truthful, accurate, and complete.

4. Intellectual Property Rights

All text, graphics, user interfaces, editorial copy, photographs, trademarks, logos, and computer code contained on this Site are the property of Sky First Insurance LLC or used with authorization, protected by United States copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, or modify any materials from this Site without our prior written permission.

5. Limitation of Liability & Disclaimers

Statements on this website as to policies, coverages, and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Information provided on this website does not constitute professional advice. If you have legal, tax, or financial planning questions, you need to contact a qualified professional.

Our agency makes every effort to maintain absolute privacy while using our website. If information is ever viewed by another party, it is purely accidental and by using our website, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.

To the fullest extent permitted by applicable law, Sky First Insurance LLC, its members, managers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this Site, or any errors or omissions in the content provided herein.

6. Governing Law & Jurisdiction

These Terms of Use and any claims arising out of the use of this website shall be governed by, construed, and enforced in accordance with the laws of the State of Maryland, without giving effect to any principles of conflicts of law. You agree to submit to the exclusive personal jurisdiction and venue of the state and federal courts located within the State of Maryland.

7. Agency Licensing Disclosure

Sky First Insurance LLC is an independent business entity insurance agency operating in accordance with Maryland Insurance Administration regulatory standards. Insurance products and quotes are offered solely in jurisdictions where Sky First Insurance LLC and its designated producers maintain authorized regulatory appointments and licenses.

8. Contact for Legal Inquiries

If you have questions regarding these Terms of Use, please direct your communication to: