Last Revised: September 8, 2025

Welcome to the Key Protection Insurance Website at keyprotection-insurance.com! By using this Website, you agree to be bound by these Terms of Service (previously “Terms of Use”), as well as our Privacy Policy. Collectively, these form a legally binding agreement between you and us.

The terms “Key Protection Insurance,” “we,” “us,” or “our” mean Key Protection Insurance, LLC. The terms “you,” “customer,” and “user” shall mean you, users of our Services, and any entity or organization you represent. The term “Services” means, collectively, the Website, related applications, widgets, information, services, email notifications, and other media through which you access these Terms of Service.

These Terms include an agreement to arbitrate all claims and disclaimers of warranties and liability.

By using our Services, you acknowledge that you have read and understand our Privacy Policy, which is incorporated into these Terms of Service in full.

By using our Services, you voluntarily accept and consent to these Terms. Your access and participation are supported by valuable consideration, including access to our Services and your ability to interact with them. You also represent that you have the capacity and authority to bind yourself or the entity you represent to these Terms.

You consent that Key Protection Insurance may collect personal data from you, even if we cannot currently provide products or services in your state. If you provide us with information about yourself or a third party, you agree we may use it for analysis, advertising, or other commercial purposes.

When applying for certain insurance policies, you represent that you have provided proper notice to, and obtained consent from, any relevant individuals so that we may use their information (for example, obtaining motor vehicle records for underwriting).

By registering for our Services, you consent to receive all documents, including identification cards and policy documents, electronically to the email address you provide, except where prohibited by law.

Documents are accessible through any modern internet-connected device. If you require a physical copy, you may request one by contacting us directly.

We may automatically create accounts for users. Your email address will be your username, and logins will require email verification or a one-time password. You may not impersonate another person or entity when registering. You are responsible for maintaining the confidentiality of your login credentials and for promptly notifying us of unauthorized use.

Our Services, processes, and related content may not be copied, reproduced, distributed, transmitted, or licensed without our express written consent. Your use is not transferable. Access may be interrupted by maintenance, outages, or other reasons beyond our control. We reserve the right to suspend or discontinue Services at our discretion.

You agree not to use our Services for unlawful, harmful, misleading, or unauthorized purposes. Prohibited activities include but are not limited to:

• Fraud, misrepresentation, harassment, defamation, or infringement of intellectual property.
   
• Discrimination, bigotry, hate speech, or promotion of illegal activity.
   
• Impersonation or using false contact information.
   
• Attempting to hack, scan, or disrupt our systems.
   
• Collecting personal data of other users without consent.
   
• Using automated tools (spiders, crawlers, scripts) to scrape or misuse content.
   

We reserve the right to monitor Services, restrict access, remove content, or take legal action if violations occur.

We may restrict, suspend, or terminate your access if you violate these Terms or as otherwise permitted by law. Insurance policies may also be canceled or nonrenewed as allowed by state regulations.

Content on our Website is provided on an “as is” and “as available” basis. We make no warranties as to its suitability, completeness, or reliability.

Key Protection Insurance acts as an agent representing insurance carriers. Applications may be submitted to, and coverage obtained from, carriers such as: BTIS, National General, USLI, CNA, Travelers, Liberty Mutual, ReInsure Pro, CRC Group, Hiscox, NEXT Insurance, Gateway Specialty, and others.

We disclaim all warranties, express or implied, including merchantability, title, non-infringement, and fitness for a particular purpose. Use of our Services is at your sole risk. We are not liable for errors, interruptions, viruses, or damages arising from use.

We also make no representations or warranties that our Services are appropriate or available outside the U.S. If you access them from elsewhere, you do so at your own risk.

We do not guarantee quotes, rates, or terms offered by third-party insurers. All coverage is subject to underwriting approval and carrier terms. Recommendations provided are limited to information you submit. You must verify information independently and consult additional advisors (e.g., accountants or attorneys) before making decisions.

By using our Services, you warrant that:

• You are at least 18 years of age.
   
• You are authorized to purchase insurance for the entity applying.
   
• You have no disqualifying judgments or liens within the last three years.
   

You authorize us to obtain consumer reports as allowed by the Fair Credit Reporting Act.

You agree to indemnify and hold Key Protection Insurance harmless from claims, costs, or damages arising from your use of our Services.

Some Services are free, while others require payment. By submitting payment information, you authorize us to charge your chosen method for agreed amounts, taxes, or fees. Premiums are subject to audit and adjustment. Monthly billing cycles may vary. Nonpayment may result in cancellation.

Coverage is not bound until the carrier approves your application. Refunds apply only if coverage is denied or as required by law.

We provide access to information and third-party providers but do not endorse or guarantee them. You are solely responsible for evaluating and selecting providers.

Our names, logos, and proprietary marks are trademarks of Key Protection Insurance. Content on our Services is copyrighted or licensed. Unauthorized use may result in liability.

These Terms are between you and Key Protection Insurance; no third party has rights under them.

You may not transfer your rights without our written consent.

Our Services are intended only for use where legally permitted. Minors under 18 may not use our Services.

These Terms are governed by the laws of the State of California. You agree to submit to the jurisdiction of California state and federal courts.

Disputes shall be resolved by binding arbitration under the American Arbitration Association rules. Class actions are waived. Opt-out rights apply within 30 days of registration.

These Terms cannot be modified orally. Only official updates posted on our Website are valid.

By submitting contact information, you consent to receive communications from us by email, phone, or mail, including marketing messages, even if your number is listed on a “do not call” registry.

If any provision is found unenforceable, the remaining provisions shall remain in effect.

Failure to enforce any provision shall not be considered a waiver of rights.

We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, war, labor disputes, or technical failures.

These Terms, along with incorporated policies, constitute the entire agreement and supersede prior agreements.

We may amend these Terms at any time. Material changes will be posted at least 30 days before taking effect. If you disagree, you may cancel your account.

We may provide notices by posting them on our Website, emailing, or mailing you.

If you have any questions about these Terms or your use of our Services, contact us:

Key Protection Insurance
4657 Westbank Expressway, Suite #2187
Marrero, LA 70072

📞 Phone: 504-334-0013
📧 Email: info@keyprotection-insurance.com
🌐 Website: keyprotection-insurance.com

© 2025 Key Protection Insurance, LLC