Privacy Policy

Terms and Conditions

Introduction

These Terms and Conditions (“Terms”) govern the relationship between Brown Insurance Group Inc (“we,” “us,” or “our”) and our policyholders (“you” or “your”). By purchasing or using any of our insurance products or services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not purchase or use our products or services.

Definitions

• Policy: The contract of insurance between you and us, including the policy schedule, endorsements, and any attachments.
• Premium: The amount you must pay for insurance coverage as specified in your policy.
• Claim: A request for payment or services under the terms of the insurance policy.
• Coverage Period: The duration during which the policy provides insurance coverage.

Eligibility

To be eligible for our insurance policies, you must:

1. Be a resident of the state of Texas.
2. Provide accurate and complete information during the application process.
3. Pay the required premiums as specified in your policy.

Policy Coverage

The specific coverages, exclusions, and limitations are detailed in your policy documentation. It is your responsibility to review these documents to understand the scope of your coverage.

Premium Payment

1. Premium payments must be made on or before the due date.
2. Failure to pay premiums may result in the suspension or cancellation of your policy.
3. We reserve the right to adjust premium rates upon renewal of your policy, subject to applicable laws and regulations.

Claims Process

1. To file a claim, you must notify us promptly and provide all necessary information and documentation as specified in your policy.
2. Claims will be evaluated and processed according to the terms of your policy and applicable law.
3. Fraudulent or misrepresented claims may result in denial of the claim and potential legal action.

Cancellation and Termination

1. By You: You may cancel your policy at any time by providing written notice. Refunds, if any, will be subject to the terms of your policy.
2. By Us: We may cancel your policy for non-payment of premiums, misrepresentation, or other valid reasons as permitted by Texas law.
3. Upon cancellation, coverage ceases as of the effective date of cancellation.

Amendments and Modifications

We may amend these Terms or your policy by providing written notice in accordance with Texas law. Any changes will not apply retroactively and will become effective as specified in the notice.

Privacy and Confidentiality

We are committed to protecting your personal information in accordance with our Privacy Policy and applicable Texas and federal laws. Please review our Privacy Policy for more details.

Dispute Resolution

1. Any disputes arising under these Terms or related to your policy shall first be resolved through mediation.
2. If mediation fails, disputes will be resolved through arbitration or in a court of competent jurisdiction in the state of Texas, as determined by applicable law.

Governing Law

These Terms and your policy are governed by the laws of the state of Texas and applicable federal laws.

Contact Information

If you have any questions or concerns, please contact us at:

• Address: 13341 W Highway 290 Building 2 Austin TX 78737
  Phone: (512) 523-4002
• Email: info@brownatx.com

By purchasing or renewing a policy with us, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.