First Heritage Insurance Agency
Last Updated: 10-10-2025

1. Acceptance of Terms

Welcome to First Heritage Insurance Agency (“FHIA,” “we,” “us,” or “our”). By accessing or using our website, requesting quotes, or engaging our services, you (“you” or “user”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, do not use our website or services.

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website with an updated “Last Updated” date. Your continued use after changes constitutes acceptance of the modified Terms.

2. Description of Services

FHIA is an independent insurance agency licensed to operate in New York, New Jersey, Connecticut, Pennsylvania, and Florida. We provide:

• Insurance quote comparisons from multiple carriers
• Policy placement and binding services through licensed agents
• Policy servicing and support
• Insurance consultation and education
• Claims assistance and carrier coordination

Important: FHIA acts as an intermediary between you and insurance carriers. We do not underwrite insurance policies, assume risk, or guarantee coverage. All insurance policies are issued by third-party insurance carriers, and coverage is subject to carrier underwriting, approval, and policy terms.

3. Agency Relationship and Authority

Our Role

• FHIA represents multiple insurance carriers and acts as your agent in obtaining insurance quotes and placing coverage
• We are compensated by commissions paid by insurance carriers
• Our licensed agents have authority to bind coverage only when expressly authorized by the carrier and confirmed in writing
• We provide general insurance information and guidance but do not provide legal, tax, or financial advice

Your Responsibilities

• Provide accurate, complete, and truthful information
• Review all policy documents, declarations, and terms
• Notify us immediately of any changes that may affect coverage
• Pay premiums when due
• Comply with all policy terms and conditions

4. Quotes and Coverage

Quote Process

• Quotes provided through our website or by our agents are estimates based on information you provide
• Quotes are not binding and do not constitute an offer of coverage
• Actual premium, coverage terms, and eligibility are determined by carrier underwriting
• Quotes are typically valid for 30 days but may expire sooner based on carrier requirements
• Rates and coverage availability may change without notice

Binding Coverage

• Coverage becomes effective only when:
  • A carrier has issued a policy or binder
  • Required premium payment has been received
  • You have received written confirmation from FHIA or the carrier
• Requesting a quote does not create coverage
• Submitting an application does not guarantee approval or coverage

Accuracy of Information

• You are responsible for the accuracy and completeness of all information provided
• Misrepresentation or omission of material facts may result in:
  • Policy cancellation or rescission
  • Denial of claims
  • Premium adjustments
  • Legal consequences

5. No Coverage Advice or Guarantees

Disclaimers

• FHIA provides general insurance information for educational purposes only
• We do not guarantee that any particular coverage is adequate for your specific needs
• We recommend you carefully review all policy documents and consult with professionals as needed
• Coverage gaps, exclusions, or limitations are determined by carrier policy terms
• We are not responsible for coverage disputes, claim denials, or underwriting decisions made by carriers

Your Obligation to Review

You are solely responsible for:

• Reviewing and understanding all policy terms, conditions, exclusions, and limitations
• Determining whether coverage meets your specific needs
• Maintaining adequate coverage levels
• Reading renewal notices and policy changes

6. Fees and Payment

Commissions

• FHIA is compensated through commissions paid by insurance carriers
• Commission rates vary by carrier and product
• Commissions are typically included in your premium and do not result in additional charges to you

Agency Fees

• In certain circumstances, we may charge service fees (disclosed in advance)
• All fees are non-refundable unless otherwise stated
• Payment for premiums and fees is due as specified in your policy documents or invoice

Premium Payments

• Premiums are payable directly to the carrier or through FHIA as designated
• Late payments may result in policy cancellation as determined by carrier terms
• FHIA is not responsible for coverage lapses due to non-payment

7. Cancellations and Changes

Policy Changes

• All policy changes must be requested in writing (email acceptable)
• Changes are subject to carrier approval and may affect premium
• Changes become effective only when confirmed by the carrier in writing
• We will make reasonable efforts to process change requests promptly but cannot guarantee specific timeframes

Cancellations

• Policy cancellation requests must be submitted in writing
• Cancellation is subject to carrier terms and may result in penalties or short-rate calculations
• We are not responsible for coverage gaps resulting from cancellation
• Refunds, if any, are determined by carrier policy terms

8. Licensed States and Limitations

FHIA is licensed to conduct insurance business in:

• New York (License #: [Insert])
• New Jersey (License #: [Insert])
• Connecticut (License #: [Insert])
• Pennsylvania (License #: [Insert])
• Florida (License #: [Insert])

We cannot provide insurance services for risks located outside these states. If you move to a non-licensed state, notify us immediately to discuss your options.

9. Website Use and Restrictions

Permitted Use

You may use our website for lawful purposes only, including:

• Researching insurance options
• Requesting quotes and information
• Managing your policies
• Communicating with our team

Prohibited Use

You may not:

• Provide false, misleading, or fraudulent information
• Use automated systems (bots, scrapers) to access our website
• Interfere with website functionality or security
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems or data
• Use our website to solicit or advertise competing services
• Copy, reproduce, or distribute our content without permission

10. Intellectual Property

Our Content

All content on our website, including text, graphics, logos, images, and software, is owned by FHIA or our licensors and protected by copyright, trademark, and other intellectual property laws.

License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include:

• Modification or reproduction of content
• Commercial use without written permission
• Removal of copyright or proprietary notices
• Transfer or sublicensing to third parties

Trademarks

“First Heritage Insurance Agency,” “FHIA,” and our logos are trademarks of First Heritage Insurance Agency. Insurance carrier names and logos are trademarks of their respective owners.

11. Third-Party Content and Links

Our website may contain:

• Links to insurance carrier websites
• Third-party content, tools, or calculators
• Social media integrations
• Partner or affiliate links

We are not responsible for:

• Third-party website content, accuracy, or availability
• Third-party privacy practices or terms of service
• Products or services offered by third parties
• Transactions conducted with third parties

Your use of third-party websites is at your own risk and subject to their terms.

12. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our Privacy Policy.

13. Communications and Electronic Signatures

Consent to Electronic Communications

By using our services, you consent to receive communications from us electronically, including:

• Email correspondence
• Text messages (if you opt in)
• Policy documents and notices
• Marketing communications (you may opt out)

Electronic communications satisfy legal requirements for written communications.

Electronic Signatures

You agree that electronic signatures, contracts, and records have the same legal effect as physical signatures and paper documents.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW:

Website and Services

Our website and services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Security or freedom from viruses or harmful components

Insurance Products

We make no warranties regarding:

• Availability of coverage from any carrier
• Approval of applications or quote accuracy
• Adequacy of coverage for your specific needs
• Carrier financial stability or claim payment
• Premium rates or policy terms

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

Excluded Damages

FHIA, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Lost profits or revenue
• Loss of data or use
• Coverage gaps or lapses
• Claim denials or delays
• Premium increases
• Business interruption

Limited Liability

Our total liability for any claims arising from these Terms or our services shall not exceed the total commissions we received from your policy in the 12 months preceding the claim.

Exceptions

Some states do not allow limitation of liability for certain damages. In such states, our liability is limited to the fullest extent permitted by law.

Carrier Responsibility

Insurance carriers are solely responsible for:

• Underwriting decisions
• Policy terms and conditions
• Claim handling and payment
• Financial obligations under policies

16. Indemnification

You agree to indemnify, defend, and hold harmless FHIA, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Misrepresentation or omission of material information
• Your violation of any law or third-party rights
• Disputes with insurance carriers

17. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Insurance policies are governed by the laws of the state where the risk is located.

Jurisdiction and Venue

You agree that any legal action or proceeding arising from these Terms shall be brought exclusively in the state or federal courts located in Suffolk County, New York, and you consent to the jurisdiction of such courts.

Arbitration (Optional – Consult Attorney)

[If you choose to include arbitration provisions, this section should be carefully drafted by legal counsel]

Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class, collective, or representative action.

Exceptions

Nothing in these Terms prevents either party from seeking injunctive or equitable relief in court for:

• Intellectual property infringement
• Fraud or misrepresentation
• Violation of confidentiality obligations

18. Force Majeure

We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including:

• Acts of God, natural disasters, or severe weather
• War, terrorism, or civil unrest
• Government actions or regulations
• Carrier system outages or underwriting delays
• Internet or technology failures
• Pandemics or public health emergencies

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions shall be modified to the minimum extent necessary to make them valid and enforceable.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and FHIA regarding your use of our website and services, superseding any prior agreements or understandings.

21. No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

22. Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms to any successor or affiliate without restriction.

23. Survival

Provisions that by their nature should survive termination of these Terms shall survive, including but not limited to: disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

24. Contact Information

For questions about these Terms and Conditions, please contact us:

First Heritage Insurance Agency
324 S. Service Rd, Suite 101
Melville, NY 11747
Phone: 631-659-0189
Email: service@fhia.net