Terms & Conditions — Brokers & Insurance Company by J.D.

Effective Date: January 1, 2025

These Terms and Conditions govern your access to and use of the website johndilloninsurance.com, operated by Insurance Brokers Company, Inc. ("Company," "we," or "us"). By accessing this website, you agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any provision, you must discontinue use immediately.

1. Acceptance of Terms

Your access to and use of this website constitutes your unconditional acceptance of these Terms and Conditions, our Privacy Policy, and any additional terms and conditions that may apply to specific features or services. These Terms are governed by applicable law and are intended for commercial and business-to-business (B2B) use only.

This website and the services described herein are not directed to, and may not be used by, individual consumers or retail clients. All services, information, and communications facilitated through this website are intended exclusively for representatives of legally registered corporations and institutional entities.

2. Insurance Quote Disclaimer

Information presented on this website, including descriptions of coverage types, service capabilities, and operational details, does not constitute a binding insurance offer, quotation, or contract of any kind.

All coverage is subject to underwriting approval based on an individual risk assessment conducted through our proprietary evaluation process.
No coverage obligation is created by any information on this website, any initial inquiry form submission, or any preliminary discussion with our account team.
Coverage becomes effective only upon formal issuance of an executed insurance policy and receipt of the applicable premium payment by the Company.
Premium amounts, coverage limits, exclusions, and terms are determined through the underwriting process and are specific to each client's risk profile, operational scope, and jurisdictional requirements.

3. SMS and Email Marketing Terms

SMS Program

By providing your mobile telephone number and consenting to SMS communications through our inquiry form or other consent mechanism, you agree to receive SMS messages from Brokers & Insurance Company by J.D. regarding corporate insurance solutions, policy updates, and related commercial communications. The following terms apply:

Message frequency: up to 4 messages per month regarding corporate insurance solutions, policy updates, regulatory developments, and related matters.
Standard message and data rates may apply. Message frequency may vary.
To cancel SMS communications, reply STOP to any message. You will receive a confirmation of opt-out and will not receive further SMS messages except as required for active claims or policy administration.
For help, reply HELP or contact us at (336) 725-3541.
SMS consent is not a condition of purchasing any insurance product or service.

Email Program

Commercial email communications from Brokers & Insurance Company by J.D. may include information about corporate insurance solutions, policy updates, regulatory changes affecting covered industries, claims management information, and other commercial communications relevant to your coverage relationship. To opt out of marketing emails, click the unsubscribe link included in every marketing email. Opt-out requests are processed within 10 business days. Administrative emails related to active policies and claims are not subject to marketing opt-out.

4. B2B Service Agreement Framework

All services offered through Brokers & Insurance Company by J.D. are exclusively available to legally registered corporations, limited liability companies, partnerships, and other recognized institutional entities. The following conditions apply to all service engagements:

Individual or retail clients cannot be accommodated, and no service agreement will be entered into with non-corporate parties.
The minimum annual premium engagement for any coverage arrangement is $25,000. Inquiries below this threshold will not proceed to the underwriting phase.
All client representatives who execute agreements, submit forms, or otherwise interact with our services on behalf of an organization represent and warrant that they have authority to bind that organization.

5. Professional Liability Limitations

Certain services offered by or through Brokers & Insurance Company by J.D. involve professional consulting, regulatory advisory, and business development assistance. The following limitations apply:

Regulatory affairs consulting services provided through our consultant network are advisory in nature. They represent professional opinions based on available information and do not constitute legal advice or regulatory determinations.
Pharmaceutical business development consulting, market entry strategy services, and M&A advisory services do not guarantee any particular commercial, regulatory, or transactional outcome.
Liability for advisory and consulting services is limited to the fees paid to the Company for the applicable engagement period in which the relevant advisory work was performed.
Clients engaging advisory services should independently verify all regulatory requirements with qualified legal counsel in the relevant jurisdiction.

6. Intellectual Property

The following intellectual property provisions govern all materials produced in connection with our services:

All risk assessment reports, underwriting analyses, actuarial summaries, market entry analyses, and other proprietary documentation produced by or for Brokers & Insurance Company by J.D. remain the intellectual property of Insurance Brokers Company, Inc., unless ownership is explicitly transferred to the client through a written agreement signed by an authorized officer of the Company.
Client-specific analyses and reports are provided under a limited, non-transferable license for internal use by the client organization only. They may not be shared with third parties, competitors, or used for purposes other than those for which they were produced.
All website content, including text, design, graphics, data compilations, and software, is the proprietary content of Insurance Brokers Company, Inc. and is protected by applicable copyright law. Unauthorized reproduction or distribution is prohibited.

7. Confidentiality

All corporate information, financial data, operational details, risk information, and strategic plans provided to Brokers & Insurance Company by J.D. in connection with an insurance inquiry, application, or active policy are treated as strictly confidential. We will not disclose such information except:

To reinsurance partners (Munich Re, Swiss Re, Hannover Re) as required for underwriting and treaty compliance, under binding confidentiality agreements.
To licensed adjusters, attorneys, and other professionals engaged for claims management, under professional confidentiality obligations.
To regulatory authorities as required by law in applicable jurisdictions.
As described in our Privacy Policy, which is incorporated herein by reference.

8. International Jurisdiction Clauses

Insurance coverage provided through Brokers & Insurance Company by J.D. in any of our 28 licensed jurisdictions is subject to the specific regulatory requirements of that jurisdiction:

Coverage terms, policy language, mandatory exclusions, and required disclosures may vary by jurisdiction in accordance with local insurance law.
In the event of any conflict between the general policy terms and jurisdiction-specific policy endorsements or regulatory requirements, the jurisdiction-specific terms shall control.
Clients with operations in multiple jurisdictions are advised to review their policy schedules carefully to understand coverage applicability in each country of operation.
Regulatory approvals required for certain coverage types in specific jurisdictions (including certain EU member states, UK, UAE, and Singapore) may extend timelines for policy issuance.

9. Governing Law

These Terms and Conditions are governed by the following legal frameworks depending on the nature of the transaction:

Primary Governing Law: The laws of the State of North Carolina, without regard to conflict of law provisions, govern these Terms and all disputes arising from use of this website or our services, unless otherwise specified below.
Maryland Transactions: For transactions originating from or primarily governed by our Rockville, Maryland office, the laws of the State of Maryland shall apply.
International Clients: For clients domiciled outside the United States, applicable local law as specified in the executed insurance policy and any applicable bilateral treaty or regulatory agreement shall apply to coverage-specific disputes. Website use and general service terms remain governed by North Carolina law.

10. Arbitration and Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, our services, or any insurance coverage arrangement – including questions of arbitrability – shall be resolved as follows:

Disputes shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
The seat of arbitration shall be Winston-Salem, North Carolina, USA.
Governing law for the arbitration proceeding shall be the law of the State of North Carolina.
The arbitration shall be conducted before a panel of one arbitrator (for claims below $1,000,000) or three arbitrators (for claims of $1,000,000 or more) selected in accordance with AAA rules.
The award rendered by the arbitrator(s) shall be final and binding, and judgment upon the award may be entered in any court of competent jurisdiction.
Nothing in this section precludes either party from seeking emergency injunctive relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration.

11. Limitation of Liability

To the fullest extent permitted by applicable law:

The Company shall not be liable for any indirect, incidental, special, exemplary, consequential, or punitive damages arising from your use of this website, reliance on information contained herein, or any service engagement, regardless of whether the Company was advised of the possibility of such damages.
The Company's total aggregate liability arising from or in connection with any service engagement, advisory relationship, or these Terms shall not exceed the total amounts paid to the Company under the applicable policy or service agreement during the 12-month period immediately preceding the event giving rise to the claim.
These limitations apply to all claims, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory.

12. Contact

For questions regarding these Terms and Conditions, please contact us:

Company: Insurance Brokers Company, Inc.
Address: 1016 Brookstown Ave, Winston-Salem, NC 27101
Phone: (336) 725-3541
Website: johndilloninsurance.com

These Terms and Conditions were last updated on January 1, 2025. We reserve the right to revise these Terms at any time. Continued use of the website following any revision constitutes acceptance of the updated Terms. Material changes affecting active policyholders will be communicated by direct notice.