Terms of Use

Effective Date: November 2026

Agreement to Terms

These Terms of Use govern your access to and use of the Blue Ridge Insurance website and any related websites, applications, or services we operate (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

Blue Ridge Insurance, a Your Policy Company (“Blue Ridge,” “we,” “us,” or “our”), is an independent insurance agency. Insurance products are offered through Your Policy LLC, licensed in Virginia (#153323) and North Carolina (#3001171306). We reserve the right to update these Terms at any time. Continued use of our Services after any update constitutes acceptance of the revised Terms.

Use of Our Services

Our website and Services are intended for lawful purposes only. You may use our Services to learn about insurance products, request quotes, communicate with our agents, and access resources related to insurance coverage. You agree not to use our Services in any way that:

• Violates any applicable federal, state, or local law or regulation
• Infringes on the intellectual property rights of Blue Ridge, Your Policy LLC, or any third party
• Transmits unsolicited communications, spam, or malicious code
• Attempts to gain unauthorized access to our systems or networks
• Misrepresents your identity or provides false information in connection with a quote or application
• Interferes with the proper operation of our website or Services

Insurance Products and Information

The information on this website is intended for general educational purposes and does not constitute insurance advice for your specific situation. Coverage availability, terms, and pricing vary by state, carrier, and individual circumstances. Nothing on this website constitutes a binding insurance contract or guarantee of coverage.

Insurance quotes provided through our Services are estimates based on information you provide. Final coverage terms and pricing are determined by the applicable insurance carrier and are subject to underwriting approval. Blue Ridge does not guarantee the accuracy or completeness of carrier quotes.

Blue Ridge is compensated by insurance carriers in the form of commissions when policies are placed. This does not affect the advice or recommendations we provide, but we disclose it in the interest of transparency.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is owned by or licensed to Blue Ridge Insurance or Your Policy LLC and is protected by applicable copyright, trademark, and other intellectual property laws.

You may access and use our website content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our prior written permission. The Blue Ridge Insurance name and logo, and the Your Policy name, hummingbird logo, and related marks, are trademarks of their respective owners.

Disclaimer of Warranties

Our Services are provided “as is” and “as available” without warranties of any kind, either express or implied. To the fullest extent permitted by law, Blue Ridge disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We are not responsible for any loss or damage resulting from your use of or inability to use our Services.

Limitation of Liability

To the maximum extent permitted by applicable law, Blue Ridge Insurance, Your Policy LLC, and their officers, employees, agents, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or goodwill, arising from your use of our Services, even if we have been advised of the possibility of such damages.

Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals, payment platforms, and informational resources. These links are provided for your convenience only. Blue Ridge does not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party websites. Your use of third-party websites is at your own risk and is subject to the terms and privacy policies of those sites.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising under these Terms shall be exclusively resolved in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.

Class Action Waiver

BY AGREEING TO THESE TERMS, YOU ARE WAIVING THE RIGHT TO PARTICIPATE IN A CLASS ACTION AND YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Contact Us

If you have questions about these Terms of Use, please contact us:

• Email: legal@your-policy.com
• Phone: (434) 212-3300
• Local Office: Blue Ridge Insurance, 14805 Forest Rd, Suite 202, Forest, VA 24551
• Mailing Address: Your Policy LLC, 3301 Northland Drive, Suite 400, Austin, TX 78731