Terms & Conditions
Last Updated: September 1, 2026
Welcome to the J. Michael Smith Insurance website. By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree with these terms, please do not use the website.
Website Information
The information provided on this website is intended for general informational purposes only. While we make reasonable efforts to keep our website accurate and up to date, we do not guarantee that all information is complete, current, or error-free.
Information on this website should not be considered a substitute for professional insurance advice. Coverage options, eligibility, premiums, and policy terms vary based on individual circumstances and insurance carrier requirements.
Insurance Quotes and Coverage
Submitting a quote request or other information through this website does not create an insurance policy, bind coverage, or guarantee that coverage will be available. Quotes are estimates based on the information provided and are subject to verification, underwriting, eligibility requirements, and the terms and conditions of the applicable insurance carrier. Coverage is not effective until it has been properly confirmed or bound by an authorized representative of J. Michael Smith Insurance or the applicable insurance carrier. The terms, conditions, exclusions, and limitations contained in the actual insurance policy or contract will control in the event of any difference between the policy and information provided on this website.
Use of the Website
You agree to use this website for lawful purposes and not to:
Use the website in a way that could damage, disable, or interfere with its operation
Attempt to gain unauthorized access to the website or its systems
Submit false, misleading, or fraudulent information
Use website content for unlawful or unauthorized purposes
We reserve the right to restrict or terminate access to the website if we believe these terms have been violated.
Intellectual Property
Unless otherwise noted, the content on this website—including text, logos, graphics, photographs, designs, and other materials—is owned by or used with permission by J. Michael Smith Insurance and may not be copied, reproduced, modified, or distributed without prior written permission.
Third-Party Websites and Services
This website may contain links to websites or services operated by third parties, including insurance carriers and other service providers. These links are provided for convenience and do not imply endorsement or responsibility for the content, products, services, or privacy practices of those third parties.
Your use of third-party websites is subject to their own terms and policies.
Website Availability
We make reasonable efforts to maintain the availability and functionality of this website, but we do not guarantee that the website will always be available, uninterrupted, secure, or free from errors or harmful components.
We may modify, suspend, or discontinue any portion of the website at any time without notice.
Disclaimer of Liability
To the extent permitted by applicable law, J. Michael Smith Insurance is not responsible for losses or damages resulting from your use of, or reliance on, information provided through this website.
This limitation does not apply where prohibited by law or to responsibilities that cannot legally be excluded or limited.
Changes to These Terms
We may update these Terms & Conditions from time to time. Any changes will be posted on this page along with an updated “Last Updated” date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.
Governing Law
These Terms & Conditions are governed by the laws of the State of Texas, without regard to its conflict-of-law provisions.
Contact Us
If you have questions about these Terms & Conditions, please contact J. Michael Smith Insurance using the contact information provided on our website.