Terms & conditions

Last updated August 20, 2026

Acceptance

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

Information only

The content of this website is provided for general information. It is not an offer to sell insurance, a binder, or a promise that coverage is or will be in force. No coverage is bound, changed or cancelled by anything submitted through this site.

Coverage and policy language

All coverage is subject to underwriting, to carrier approval, and to the terms, conditions, limits and exclusions of the policy actually issued. Where anything on this website differs from the issued policy, the policy governs.

No professional advice

Nothing on this website is legal, tax or accounting advice, and using this site does not create a client relationship. Please consult a qualified professional about your own circumstances.

Intellectual property

The content, design and marks on this website are owned by Harbor & Oak Insurance Advisors, LLC or used with permission, and may not be reproduced without written consent.

Third-party links

This website may link to sites we do not control. We are not responsible for their content, security or privacy practices.

Disclaimer

This website is provided on an “as is” basis without warranties of any kind, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Harbor & Oak Insurance Advisors, LLC is not liable for indirect, incidental or consequential damages arising from your use of this website.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules.

Changes

We may update these terms from time to time. The date above shows when they were last revised.

Contact

Harbor & Oak Insurance Advisors, LLC
525 S Loop 288, Suite 105, Denton, Texas 76205
(940) 239-8325
help@harbor-oak.com