Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by SHK Insurance Services ("Company," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

SHK Insurance Services provides:

• Insurance brokerage and consultation services
• Insurance quotes and policy comparisons
• Policy management and customer support
• Claims assistance and advocacy
• Risk assessment and coverage recommendations

3. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information for insurance applications
• Pay all premiums and fees in a timely manner
• Notify us promptly of any changes that may affect your coverage
• Comply with all terms and conditions of your insurance policies
• Report claims promptly and cooperate in the claims process

4. Insurance Policies

Important disclaimers regarding insurance coverage:

• We act as intermediaries between clients and insurance companies
• Final coverage terms are determined by the insurance carrier
• Policy terms and conditions are governed by the insurance contract
• We cannot guarantee coverage approval or specific terms
• Claims are handled directly by the insurance company

5. Fees and Compensation

Our compensation may come from insurance companies in the form of commissions, fees, or other arrangements. We may also charge service fees for certain services, which will be disclosed to you in advance.

6. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for coverage gaps or claim denials by insurance companies
• Our liability is limited to the amount of fees paid to us
• We are not responsible for acts or omissions of insurance companies
• We disclaim all warranties, express or implied

7. Professional Standards

We maintain professional licensing and adhere to industry standards and regulations. We are committed to acting in your best interests while maintaining compliance with all applicable laws and regulations.

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of SHK Insurance Services and is protected by copyright and other intellectual property laws.

9. Termination

Either party may terminate the service relationship at any time with written notice. Termination does not affect existing insurance policies or ongoing claims.

10. Dispute Resolution

Any disputes arising from these terms or our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

11. Governing Law

These Terms of Service are governed by the laws of the State of California, without regard to conflict of law principles.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting on our website. Continued use of our services constitutes acceptance of modified terms.

13. Contact Information

For questions about these Terms of Service, please contact us: