Terms and Conditions of Use

  Effective Date: January 20, 2026

These Terms of Use (“Terms”) govern your access to and use of the S & J Insurance Group website and related online services (the “Site”). By using the Site, you agree to these Terms.

Content on this Site is for general informational purposes only and is not legal, financial, or insurance advice. Quotes and coverage availability depend on underwriting and carrier approval.
No coverage is bound, changed, or canceled unless we confirm it in writing.

S & J Insurance Group, Inc. is an insurance agency. We may act as agent for one or more insurance carriers. Carrier terms, conditions, exclusions, and underwriting decisions control all insurance policies.

You may use the Site for lawful purposes and in accordance with these Terms. You agree not to:

• Attempt to gain unauthorized access to the Site or systems
• Scrape, harvest, or misuse data from the Site
• Upload malware or harmful code
• Use the Site to transmit unlawful, defamatory, or infringing content
   

If the Site includes chat, forms, or messaging:

• Do not use these tools to report claim emergencies
• Do not assume messages submitted outside business hours are immediately received
• Requests to bind coverage, cancel policies, or make policy changes are not effective unless confirmed by us in writing
   

S & J Insurance Group, Inc. reserves the right, at its sole discretion, to decline, suspend, or discontinue services to any individual or entity at any time, with or without cause, subject to applicable law.

Discontinuation of agency services does not affect the validity or enforceability of any insurance policy issued by an insurance carrier. All coverage decisions remain solely with the applicable insurer.

Use of this Site, submission of information, or communication with us does not create a client, agent, or broker relationship unless and until such relationship is confirmed by us in writing.

Insurance products, pricing, eligibility, and underwriting guidelines are determined by insurance carriers and may change at any time without notice. We do not guarantee the availability of any specific coverage, insurer, or rate.

Information on this Site may not always reflect the most current insurance products, underwriting guidelines, rates, or availability. We have no obligation to update Site content and do not guarantee that information is current at all times.

By using this Site or communicating with us electronically, you consent to receive communications, notices, documents, and records from us electronically. You agree that electronic communications satisfy any legal requirement that such communications be in writing.

All Site content, including text, graphics, logos, images, and design, is owned by S & J Insurance Group or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or use Site content without prior written permission.

The Site may contain links to third-party websites. We are not responsible for the content, availability, or privacy practices of third-party sites. Use of third-party websites is at your own risk.

The Site is provided on an “as is” and “as available” basis. We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components.

We are not responsible for delays or interruptions in service caused by events beyond our reasonable control, including natural disasters, severe weather, power outages, carrier system outages, or telecommunications failures.

To the maximum extent permitted by law, S & J Insurance Group is not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, the Site.

You agree to indemnify and hold harmless S & J Insurance Group, its officers, employees, and agents from claims, damages, or expenses arising out of your misuse of the Site or violation of these Terms.

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

We may update these Terms at any time by posting a revised version on the Site. Continued use of the Site constitutes acceptance of the updated Terms.

S & J Insurance Group, Inc.
📍 3727 SE Ocean Blvd, STE 204
Stuart, FL 34996
📞 772-286-2572
📧 sandjinsurancegroup@gmail.com

 (Effective Date: January 16, 2026)

By providing your mobile number, you agree that S & J Insurance Group, Inc. may send you text messages related to quotes, service, reminders, and (if you opt in) marketing.

• Opt out: Reply STOP to unsubscribe (you may receive a final confirmation message).
   
• Help: Reply HELP or call 772-286-2572.
   
• Rates: Message and data rates may apply.
   
• Frequency: Varies based on your interactions and services requested.
   
• No coverage changes by text: Requests to bind, cancel, or change coverage are not effective unless we confirm in writing.
   
• Privacy: We do not sell phone numbers. We may share your number with service providers who send messages on our behalf.