**Last Updated: 07/10/2026**

Welcome to Hoffmire Insurance Solutions LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of www.hoffmireins.com (the "Site"), including any content, functionality, and services offered on or through the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By using this Site, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement. If you are using the Site on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

2. No Insurance Coverage Bound Through the Site

Nothing on this Site constitutes an offer, binder, or guarantee of insurance coverage. Information provided through the Site — including quotes, rate estimates, coverage descriptions, or general educational content — is for informational purposes only and does not create, alter, amend, or bind any insurance policy or coverage. Actual insurance coverage is subject to the terms, conditions, exclusions, and limitations of the applicable policy issued by a licensed insurance carrier, and no coverage is effective until confirmed in writing by an authorized representative of Hoffmire Insurance Solutions LLC or the relevant carrier.

3. No Professional or Legal Advice

Content on this Site is provided for general informational purposes only and does not constitute insurance, legal, financial, or tax advice. You should consult a licensed professional regarding your specific circumstances before making insurance or financial decisions. Use of the Site does not create an agent-client, broker-client, or fiduciary relationship.

4. Use of the Site

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

- Use the Site in any way that violates applicable federal, state, or local law
- Attempt to gain unauthorized access to any portion of the Site, other accounts, or computer systems
- Interfere with or disrupt the operation of the Site or servers/networks connected to it
- Use any automated system (bots, scrapers, etc.) to access the Site without prior written permission
- Transmit any viruses, malware, or other harmful code
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity

5. Intellectual Property

All content on the Site — including text, graphics, logos, images, and software — is the property of Hoffmire Insurance Solutions LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent, except as necessary for your own personal, non-commercial use.

6. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites. Your use of third-party sites is at your own risk and subject to their respective terms and privacy policies.

7. Privacy

Your use of the Site is also governed by our [Privacy Policy], which is incorporated by reference into these Terms. Please review it to understand how we collect, use, and protect your information.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HOFFMIRE INSURANCE SOLUTIONS LLC AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED [AMOUNT, e.g., $100] OR THE AMOUNT YOU PAID US IN THE PAST TWELVE MONTHS, WHICHEVER IS GREATER.

10. Indemnification

You agree to indemnify, defend, and hold harmless Hoffmire Insurance Solutions LLC and its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or violation of these Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Marin County, California.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Us

If you have questions about these Terms, please contact us at:

Hoffmire Insurance Solutions LLC
PO Box 101, Fairfax CA 94978
david@hoffmireins.com
415-785-4000
CA License #0F83690