Terms & Conditions

1. About New Road Insurance Agency

New Road Insurance Agency, LLC is an independent insurance agency. We do not underwrite, issue, or guarantee insurance policies. We act as an agent connecting customers with licensed insurance carriers. Coverage terms, pricing, and availability are determined solely by the applicable insurance carrier and are subject to underwriting approval.

Nothing on this website constitutes a binding offer of insurance coverage. A policy is only in effect upon issuance by a licensed insurance carrier and payment of applicable premium.

2. Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the site in any way that violates applicable federal, state, or local laws or regulations
• Transmit unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any portion of the site or its related systems
• Introduce viruses, malware, or other harmful code
• Scrape, harvest, or collect data from the site without our prior written consent
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to terminate or restrict your access to the website at any time, without notice, for any reason.

3. Text Messaging (SMS) Terms

Program Description

By opting in to receive text messages from New Road Insurance Agency, you agree to receive SMS and MMS messages from us at the mobile number you provide. Messages may include policy reminders, renewal notices, payment confirmations, billing alerts, claims status updates, appointment reminders, customer service follow-ups, and promotional offers where separately consented.

Consent

Your consent to receive text messages is not a condition of purchasing any insurance product or service from us. You may opt in by providing your mobile number and expressly consenting via a web form, verbal request, or other documented method. Messaging consent is specific to the program for which you opted in and does not extend to other messaging programs without separate consent.

Message Frequency

Message frequency varies based on your policy activity, account status, and preferences. You may receive up to several messages per month depending on your coverage and engagement with our agency.

Rates

Message and data rates may apply. Contact your mobile carrier for details on your plan.

Opt-Out

You may opt out of text messages at any time by replying STOP to any message you receive from us. After texting STOP, you will receive a one-time confirmation message and no further messages will be sent unless you re-enroll. To re-enroll, text START or contact us directly.

Help

For help with the messaging program, reply HELP to any message or contact us at [email protected] or (501) 557-6182.

Data Sharing

No mobile information — including mobile phone numbers and SMS/text messaging opt-in data and consent — will be shared with, sold to, or rented to third parties or affiliates for marketing or promotional purposes. This information is excluded from all data-sharing arrangements described elsewhere in our policies. Sharing with subcontractors who assist in operating our messaging program (such as SMS platform providers) is permitted solely for that purpose.

Supported Carriers

Our messaging program is available on most major U.S. carriers. Carrier support may vary. We are not liable for delays or failures in message delivery caused by your carrier or mobile device.

4. Quotes and Insurance Information

Any insurance quotes, rate estimates, or coverage information provided through this website or by our agents are for informational purposes only. They are not binding and are subject to change based on underwriting review, carrier guidelines, and information verified during the application process.

We make no warranty that any quote will result in an issued policy at the quoted price or with the quoted terms. Final coverage terms are determined by the issuing carrier.

5. Third-Party Links and Tools

Our website may contain links to third-party websites, quoting tools, or carrier portals. These are provided for convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of any third-party site. Your use of third-party tools is governed by the terms and policies of those providers.

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of New Road Insurance Agency, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our prior written consent.

7. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by applicable law, New Road Insurance Agency, LLC and its members, officers, 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 this website or our services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless New Road Insurance Agency, LLC and its members, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the website, your violation of these Terms, or your violation of any rights of a third party.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection and use practices.

11. Governing Law and Disputes

These Terms are governed by the laws of the United States and applicable state law, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or your use of this website shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction.

You agree that any dispute resolution proceeding will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

12. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will post the updated Terms on this page with a new effective date. Your continued use of the website after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Contact Us

If you have questions about these Terms or our SMS messaging program, please contact us: