Terms of Use

Last updated: September 30, 2026

By using this website, you agree to these terms. If you do not agree, please do not use the site.

Informational purposes only

Content on this site is general information about insurance and bonds. It is not legal, tax or financial advice and does not describe any specific policy. Coverage is governed solely by the terms, conditions, limits and exclusions of the policy or bond actually issued. Descriptions of coverage are summaries and may not apply to your situation.

No binding of coverage

Quotes are estimates based on the information provided and are subject to underwriting and final approval by the insurer or surety. You cannot bind, change or cancel coverage by submitting a website form, email, text or voicemail. Coverage is effective only when confirmed in writing by our agency or the insurer.

Third-party websites

This site links to third-party quoting and enrollment platforms and other websites. We are not responsible for their content, availability, privacy practices or terms. Your use of those sites is governed by their terms.

Availability

Products, coverages, discounts and insurers described on this site are not available in all situations. We are licensed in California; we do not solicit insurance in states where we are not licensed.

Accuracy

We try to keep this site accurate and current, but insurance rules and products change. We do not guarantee that all content is complete or up to date.

Intellectual property

Site content is owned by Livingood Insurance or used with permission and may not be copied without permission.

Limitation of liability

To the extent permitted by law, Livingood Insurance is not liable for damages arising from your use of this website.

Governing law

These terms are governed by the laws of the State of California.

See also our Privacy Policy and Licensing & Disclosures.