Terms of Service

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Last Updated: December 2025

Zabbia Insurance Agency

These Terms of Service (“Terms”) govern your use of the website, digital forms, landing pages, communication channels, and services provided by Zabbia Insurance Agency (“we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms.

If you do not agree, please discontinue use of our website and services.

1. Use of Our Services

You agree to use our services only for lawful purposes and in compliance with these Terms.

You must be at least 18 years old to submit information, request insurance quotes, or engage with our agency.

2. Insurance Quotes & Coverage

A. Quotes Are Estimates

Any quotes provided—online, by phone, or by email—are estimates only and based on the information you provide. Final rates and eligibility are determined by the insurance carrier.

B. No Guarantee of Coverage

Submitting a form or speaking with our team does not bind or activate insurance coverage. Coverage is only effective when:

• Approved by the insurance carrier, and
• You receive formal confirmation of policy issuance.

C. Accuracy of Information

You agree that all information you provide is accurate and complete. Inaccurate information may result in:

• Quote changes
• Application denial
• Policy cancellation

3. Communications Consent

By submitting your information, you consent to receive:

• Phone calls
• Emails
• SMS/text messages
• Automated messages

These communications may include quotes, policy updates, reminders, marketing messages, or follow-ups.

You may opt out at any time by replying “STOP” to SMS messages or using the unsubscribe link in emails.

4. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

You can find our Privacy Policy on our website or request a copy at any time.

5. Intellectual Property

All content on our website—including text, images, graphics, branding, digital assets, and layouts—is the property of Zabbia Insurance Agency and is protected by copyright and trademark laws.

You may not:

• Copy
• Reproduce
• Modify
• Distribute
• Use our content for commercial purposes without our written consent.

6. Third-Party Services & Links

Our website or ads may link to third-party tools or websites (e.g., insurance carriers, payment portals).

We are not responsible for the content, security, or practices of these external websites.

7. Website & Service Availability

We strive to maintain uninterrupted access to our website and services but do not guarantee:

• Continuous uptime
• Error-free operation
• Absence of viruses or harmful components

We reserve the right to modify, suspend, or discontinue any part of our services at any time.

8. Limitation of Liability

To the fullest extent permitted by law, Zabbia Insurance Agency is not liable for:

• Errors in quotes based on incorrect information provided by users
• Delays in insurance processing or carrier decisions
• Losses resulting from website downtime or technical issues
• Any damages arising out of the use or inability to use our services

Insurance decisions, premiums, and terms are determined by the carriers we work with, not by our agency.

9. No Professional or Legal Advice

Information provided on our website or through our content is for general informational purposes only and should not be interpreted as legal, financial, or professional advice.

Please consult a licensed insurance agent for personalized recommendations.

10. Changes to Terms

We may update these Terms periodically. Any changes will be posted with a revised “Last Updated” date. Continued use of our services following changes means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of New York State, without regard to conflict-of-law principles.

12. Contact Information

For questions regarding these Terms or our services, please contact us:

Address: 1034 N Broadway, North Massapequa, NY 11758

Phone: (516) 799-3800

Email: admin@zabbiaagency.com

Website: https://zabbiaagency.com/