Terms and Conditions
Last Updated: August 28, 2026
Welcome to www.kalmbaughinsurance.com. This website is operated by Kalmbaugh Insurance Agency (“Kalmbaugh Insurance,” “we,” “us,” or “our”).
By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use this website.
1. Use of This Website
This website is provided for general informational purposes and to help visitors learn about Kalmbaugh Insurance Agency and the insurance products and services we offer.
You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation or security of the website or the ability of others to use it.
You may not attempt to gain unauthorized access to the website, its systems, servers, or databases, or use the website to transmit malicious software or other harmful material.
2. Insurance Information
The information provided on this website is intended for general informational purposes only. It is not intended to constitute insurance, legal, financial, or other professional advice.
Insurance coverage, eligibility, premiums, limits, exclusions, deductibles, and other policy terms vary depending on the individual circumstances of each customer and the insurance carrier involved.
Information presented on this website should not be considered a guarantee of coverage or an offer to provide insurance.
Actual insurance coverage is determined by the terms, conditions, exclusions, and provisions of the applicable insurance policy issued by an insurance carrier.
3. Quotes and Applications
Any quote request, contact form, or other information submitted through this website does not constitute an insurance policy or a binding agreement to provide coverage.
Submitting information through this website does not guarantee that you will receive a quote, be eligible for coverage, or obtain insurance.
Coverage generally becomes effective only after the appropriate application and underwriting process has been completed and coverage has been confirmed by the applicable insurance carrier or authorized representative.
If you need immediate confirmation of insurance coverage, please contact Kalmbaugh Insurance Agency directly.
4. Accuracy of Information
We make reasonable efforts to provide accurate and current information on this website. However, we do not guarantee that all information is complete, accurate, current, or free from errors.
Insurance products, services, availability, rates, and underwriting requirements may change without notice.
We reserve the right to correct errors, update information, or modify website content at any time.
5. No Guarantee of Website Availability
We make reasonable efforts to keep this website available and functioning properly. However, we do not guarantee that the website will always be available, uninterrupted, secure, or free from errors or technical problems.
We may modify, suspend, or discontinue any portion of the website at any time without notice.
6. Intellectual Property
Unless otherwise indicated, the content on this website, including text, graphics, logos, photographs, images, designs, and other materials, is owned by or licensed to Kalmbaugh Insurance Agency and is protected by applicable intellectual property laws.
You may view and use website content for personal, non-commercial purposes.
You may not reproduce, distribute, modify, publish, transmit, sell, or otherwise use website content without prior written permission, except as permitted by law.
7. Third-Party Websites and Services
This website may contain links to websites or services operated by third parties, including insurance carriers, business partners, social media platforms, or other service providers.
These links are provided for convenience and informational purposes. Kalmbaugh Insurance Agency does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites.
Your use of third-party websites is subject to their respective terms and policies.
8. User-Submitted Information
If you submit information through our website, you represent that the information you provide is accurate to the best of your knowledge and that you have the right to provide that information.
You should avoid submitting sensitive personal information through general website forms or unsecured communications unless specifically requested and provided through an appropriate secure method.
Information submitted through the website will be handled in accordance with our Privacy Policy.
9. Communications
By submitting your contact information through our website, you may be contacted by Kalmbaugh Insurance Agency regarding your inquiry, quote request, insurance needs, or other related business matters.
Where required by applicable law, we will obtain appropriate consent before sending certain marketing or text-message communications.
You may opt out of marketing communications at any time by following the instructions provided in the communication or by contacting us directly.
10. Disclaimer of Warranties
To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis.
Kalmbaugh Insurance Agency makes no warranties, express or implied, regarding the website or its content, including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, or non-infringement.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Kalmbaugh Insurance Agency and its owners, employees, agents, and representatives will not be liable for any direct, indirect, incidental, consequential, special, or other damages arising from or related to your use of, or inability to use, this website.
This limitation does not apply where prohibited by applicable law.
12. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Kalmbaugh Insurance Agency and its owners, employees, agents, and representatives from claims, liabilities, damages, losses, and expenses arising from your misuse of the website, violation of these Terms and Conditions, or violation of applicable law.
13. Privacy
Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, and protect information submitted through the website.
14. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Ohio, without regard to conflict-of-law principles, except where applicable law requires otherwise.
15. Changes to These Terms
We reserve the right to modify or update these Terms and Conditions at any time.
Changes will become effective when posted on this page unless otherwise stated. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms and Conditions.
16. Contact Us
If you have questions regarding these Terms and Conditions, please contact:
Kalmbaugh Insurance Agency
Website: www.kalmbaughinsurance.com
Thank you for visiting Kalmbaugh Insurance Agency.