Terms of Service
Last Updated: January 30, 2026
By accessing or using the website of Johal Insurance Brokers Inc. ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
1. Nature of Services
Johal Insurance Brokers Inc. is a licensed insurance brokerage. We act as an intermediary between you and insurance carriers to help you find appropriate commercial property insurance coverage. The information provided on this website is for informational purposes only and does not constitute an insurance policy, binder, or guarantee of coverage.
2. No Guarantee of Coverage
Submitting a quote request through our website does NOT bind coverage. A completed quote form is a request for information only. Insurance coverage is not in effect until:
- You receive written confirmation of coverage from an authorized insurance carrier
- A policy number has been issued
- All required premiums and documentation have been submitted and accepted
Until you receive a policy number and written confirmation, you should not consider yourself insured through any quote or discussion with Johal Insurance Brokers.
3. SMS/Text Message Terms
By providing your phone number and opting in to receive text messages from Johal Insurance Brokers Inc., you agree to the following:
- You consent to receive recurring automated marketing and informational text messages from Johal Insurance Brokers Inc.
- Message frequency varies based on your interactions and policy needs
- Message and data rates may apply depending on your mobile carrier and plan
- Reply STOP at any time to cancel and stop receiving text messages
- Reply HELP for assistance or contact us at service@johalinsurancebrokers.com
- Consent to receive text messages is not a condition of purchasing any insurance product or service
Supported carriers include but are not limited to: AT&T, T-Mobile, Verizon, Sprint, and all major U.S. carriers. For carrier-specific information, contact your wireless provider.
4. Accuracy Disclaimer
The content on this website, including descriptions of coverage types, policy features, and general insurance information, is provided for informational purposes only. Actual coverage terms, conditions, exclusions, and premiums are determined by the insurance carriers and outlined in the official policy documents. In the event of a conflict between our website content and your actual policy, the policy terms prevail.
5. Professional Advice Disclaimer
Nothing on this website constitutes legal, tax, financial, or professional advice. Insurance decisions should be made in consultation with qualified professionals. We recommend consulting with a licensed attorney, CPA, or financial advisor for matters relating to legal obligations, tax implications, or financial planning associated with your commercial properties.
6. Limitation of Liability
To the fullest extent permitted by law, Johal Insurance Brokers Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services. Our total liability for any claim arising from or related to these terms shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.
We do not warrant that the website will be uninterrupted, error-free, or free of harmful components. You use the website at your own risk.
7. Changes to These Terms
We reserve the right to update or modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of our website after changes are posted constitutes acceptance of the modified terms.
8. Contact Us
If you have any questions about these Terms of Service, please contact us:
- Email: service@johalinsurancebrokers.com
- Phone: (805) 380-5564