Terms of Service | Terrapin Insurance Group

Effective May 15, 2026 · Last Updated May 15, 2026

These Terms of Service ("Terms") govern your use of the website at terrapininsurance.com (the "Site"), which is owned and operated by Terrapin Insurance Group LLC ("Terrapin Insurance," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About Terrapin Insurance Group

Terrapin Insurance Group is a licensed independent insurance agency with offices in Rockville, Maryland. We are licensed to transact insurance business in Maryland, the District of Columbia, and Virginia. We represent multiple insurance carriers and act as a broker on behalf of our clients in placing coverage.

2. Information Only; No Coverage Bound

The information on this Site is provided for general informational purposes only. Nothing on the Site constitutes a binding offer of insurance, a quote, or a contract of insurance. Coverage can be bound only by a licensed agent after underwriting review and acceptance by the issuing carrier. Premium estimates displayed or returned via the Site are non-binding and may change based on underwriting.

3. Eligibility

You must be at least 18 years old and a resident of Maryland, the District of Columbia, Virginia, or another jurisdiction in which we are licensed to use the Site to request quotes or coverage.

4. Your Account and Information

You agree that any information you submit via the Site — including for quote requests — is accurate, complete, and current. Providing false or misleading information may void coverage, result in policy cancellation, or constitute insurance fraud, which is a criminal offense in most jurisdictions.

5. Acceptable Use

You agree not to:

Use the Site for any unlawful purpose or in violation of these Terms
Attempt to interfere with, compromise, or test the security or integrity of the Site
Use any automated means (bots, scrapers, crawlers other than search-engine indexers) to access or extract data from the Site
Reverse-engineer or copy any portion of the Site
Submit content that is fraudulent, deceptive, defamatory, or violates any third-party right
Impersonate any person or misrepresent your affiliation with any entity

6. Intellectual Property

All content on the Site — text, graphics, logos, images, code, and the Terrapin Insurance Group name — is owned by Terrapin Insurance Group LLC or its licensors and is protected by U.S. copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Third-Party Links

The Site may link to third-party websites (such as insurance carrier portals or payment processors). We are not responsible for the content, accuracy, or practices of those sites. Your use of any third-party site is at your own risk and subject to that site's terms.

8. No Professional Advice

Content on the Site does not constitute legal, tax, financial, or insurance advice. Insurance needs vary by individual circumstance. Before making coverage decisions, speak directly with a licensed Terrapin Insurance Group agent.

9. Disclaimers

The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the Site will be uninterrupted or error-free. We do not warrant that any premium estimate displayed will reflect the final policy premium.

10. Limitation of Liability

To the maximum extent permitted by law, Terrapin Insurance Group LLC, its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, goodwill, or data — arising out of or in connection with your use of the Site. Our total liability for any claim arising out of these Terms or your use of the Site will not exceed one hundred U.S. dollars ($100). This limitation does not affect any liability that cannot be excluded under applicable law.

11. Indemnification

You agree to indemnify and hold harmless Terrapin Insurance Group LLC from any claim, damage, loss, or expense (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

12. Governing Law and Venue

These Terms are governed by the laws of the State of Maryland, without regard to its conflict-of-law principles. Any dispute arising under or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Montgomery County, Maryland, and you consent to personal jurisdiction in those courts.

13. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date will reflect any change. Your continued use of the Site after a change constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and effect.

15. Contact

Questions about these Terms? Contact us at:

Terrapin Insurance Group LLC
1300 Piccard Drive, Suite 204
Rockville, MD 20850
Phone: (240) 243-0042
Email: info@terrapininsurance.com

These Terms were prepared as a starting template. Before publishing major changes, please have a licensed insurance attorney review them — particularly the limitation of liability, governing law, and any state-specific disclosures required by MD, DC, or VA insurance regulators.