Terms

Website: www.kentfordinsurance.com

Operated By: Kentford Insurance Group Inc

Welcome to the website of Kentford Insurance Group Inc ("Agency," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your access to and use of our website, online forms, resources, and related website services (collectively, the "Website").

By accessing or using this Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.

1. About Our Agency

Kentford Insurance Group Inc is an independent insurance agency providing access to insurance products and related services, subject to applicable licensing, insurer appointments, product availability, and underwriting requirements.

Our services may include trucking insurance, freight broker insurance, commercial business insurance, surety bonds, and transportation risk management assistance.

We are not an insurance company. Insurance policies are issued by authorized or otherwise lawfully eligible insurers, and surety bonds are issued by surety companies, subject to applicable requirements.

Insurance products and services are offered only in jurisdictions where the Agency and its representatives are appropriately licensed or otherwise authorized to conduct the relevant activities.

2. Website Information and General Disclaimer

The information provided on this Website is intended for general informational purposes only.

Although we strive to maintain accurate and current information, we do not guarantee that all descriptions, explanations, or other Website content are complete, current, or applicable to every individual or business.

Information presented on this Website does not constitute a binding insurance offer, legal advice, tax advice, or a guarantee of insurance coverage.

Descriptions of insurance products are summaries only. Actual coverage is governed exclusively by the applicable policy, including its declarations, insuring agreements, conditions, exclusions, endorsements, and limitations.

In the event of any inconsistency between Website information and an issued insurance policy, the policy provisions control.

3. Insurance Quotes and Applications

Submitting a quote request, insurance application, or other inquiry through this Website does not guarantee eligibility, acceptance, pricing, or issuance of insurance coverage.

All quotations are subject to insurer underwriting, verification of submitted information, applicable rates, and availability.

A quotation may be revised, withdrawn, or declined before coverage is bound, as permitted by applicable law.

You agree to provide information that is accurate, complete, and not misleading. Material inaccuracies or omissions may affect underwriting, pricing, coverage, or claims, subject to applicable law and policy provisions.

We may request additional information or documentation to process an insurance application.

4. No Automatic Binding of Coverage

Insurance coverage cannot be bound, modified, renewed, reinstated, or canceled solely by submitting information through this Website, sending an email, leaving a voicemail, or transmitting a text message.

Coverage becomes effective only when it has been properly authorized and confirmed by an authorized representative or insurer in accordance with applicable requirements.

No request submitted through the Website should be considered approved unless you receive appropriate confirmation.

Do not assume that coverage is in effect based solely on a submitted application, quotation, payment, or acknowledgment of receipt.

For urgent insurance matters, contact our office directly during business hours and obtain confirmation of the requested action.

5. Policy Changes, Renewals, and Cancellations

Requests to add or remove vehicles, drivers, equipment, locations, insured parties, or coverages are subject to applicable policy terms, underwriting approval, and processing requirements.

Submitting a request does not guarantee that the requested change will become effective on the date specified.

Policy renewals, cancellations, reinstatements, and nonrenewals are governed by applicable insurance contracts and law.

Clients remain responsible for reviewing policy documents, premium notices, renewal terms, and other communications provided by insurers or the Agency.

6. Certificates of Insurance

Certificates of Insurance and other evidence-of-insurance documents are provided for informational purposes and are subject to applicable law.

A certificate does not amend, extend, or alter coverage afforded by an insurance policy.

Additional insured status, waivers of subrogation, primary and noncontributory provisions, and other contractual insurance requirements are effective only to the extent provided by the applicable policy or valid endorsements.

Requests for certificates or endorsements are subject to verification and approval, where required.

7. Premiums, Payments, and Fees

Insurance premiums, deposits, installment payments, agency fees, broker fees, and other applicable charges will be disclosed as required by law and applicable agreements.

Payment terms, due dates, cancellation provisions, and refunds are governed by the relevant policy, financing agreement, billing arrangement, or other applicable contract.

Where online payment functionality is offered, transactions may be processed by third-party payment service providers.

Submitting a payment does not independently guarantee that insurance coverage has been bound, renewed, reinstated, or maintained.

Any applicable fees, including payment processing fees, are subject to disclosure and applicable law.

8. Surety Bonds

Surety bonds are distinct from traditional insurance products.

A surety bond generally involves a principal, an obligee, and a surety company. Depending on the bond and applicable agreements, the principal and other indemnitors may be obligated to reimburse the surety for covered losses, expenses, or claims paid.

Submitting a surety bond application does not guarantee approval, issuance, or acceptance by the obligee.

Bond requirements, premiums, indemnity obligations, and underwriting standards vary by bond type, surety company, and jurisdiction.

9. Risk Management and Educational Resources

Our Website may provide information concerning transportation safety, FMCSA regulations, driver qualifications, compliance practices, accident prevention, and other risk management topics.

Such materials are provided for general educational purposes and do not replace independent legal advice, regulatory guidance, professional consultation, or the user's responsibility to comply with applicable laws.

Regulations and enforcement practices may change. Users are responsible for verifying current requirements applicable to their operations.

Unless expressly agreed in a separate written agreement, Website content does not establish an ongoing compliance monitoring, auditing, consulting, or advisory relationship.

No specific safety outcome, regulatory result, insurance eligibility determination, or premium reduction is guaranteed.

10. Electronic Communications

By contacting us electronically, you acknowledge that we may respond through appropriate communication channels, subject to applicable law and your communication preferences.

Email, text messaging, and online communications may involve security risks, including interception, unauthorized access, or transmission errors.

Please do not submit Social Security numbers, banking credentials, medical information, or other highly sensitive information through unsecured forms or ordinary email unless specifically instructed through an approved secure process.

Consent to receive electronic insurance notices, policy documents, or legally required disclosures will be obtained separately when required by applicable law.

Consent to receive marketing text messages or automated marketing calls, where required, will also be obtained separately and is not a condition of purchasing insurance.

Additional information about text messaging is provided in our SMS Terms & Conditions.

11. Privacy and Information Security

Your use of this Website is also subject to our Privacy Policy, which describes how we collect, use, disclose, retain, and protect personal information.

We use administrative, technical, and organizational safeguards designed to protect information as appropriate to our operations and legal obligations.

However, no internet-based transmission or electronic storage system can be guaranteed completely secure.

Please review our Privacy Policy for additional information about our data practices and applicable privacy rights.

12. Permitted Website Use

You agree to use this Website only for lawful purposes.

You may not:

Submit fraudulent, inaccurate, or misleading information.
Attempt unauthorized access to our systems or information.
Introduce malware, harmful code, or disruptive technology.
Interfere with Website security or functionality.
Misuse Website content, forms, or communication systems.
Use automated tools to extract Website content or data without authorization, except as permitted by applicable law.

We may restrict access to the Website when reasonably necessary to protect our systems, users, or business operations.

13. Intellectual Property

Unless otherwise indicated, the Website's original text, graphics, logos, branding, designs, and other proprietary materials are owned by or licensed to the Agency and are protected by applicable intellectual property laws.

You may view and use Website content for lawful personal or internal business purposes.

You may not reproduce, distribute, modify, or commercially exploit protected Website materials without authorization, except as permitted by law.

Third-party trademarks and service marks remain the property of their respective owners.

14. Third-Party Websites and Services

This Website may contain links to third-party websites, insurer portals, payment processors, or other external services.

We do not control the content, availability, security, or privacy practices of independent third-party websites.

Access to third-party services may be governed by their own terms, policies, and agreements.

The inclusion of a link does not necessarily constitute an endorsement of the linked service.

15. No Guarantee of Website Availability

We make reasonable efforts to maintain the Website but do not guarantee uninterrupted or error-free access.

The Website may be unavailable because of maintenance, technical problems, service interruptions, or circumstances beyond our reasonable control.

Website availability does not guarantee that Agency personnel are available to receive or process time-sensitive insurance requests.

16. Disclaimer of Warranties

To the extent permitted by applicable law, the Website and its general informational content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.

Nothing in this section modifies an insurance policy, surety bond, or separate written service agreement, or excludes any warranty or right that cannot lawfully be excluded.

17. Limitation of Liability

To the fullest extent permitted by applicable law, the Agency shall not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from the use of, or inability to use, the Website.

This limitation does not apply where prohibited by law and does not eliminate liability arising from obligations under an applicable insurance contract, separate service agreement, or duties that cannot lawfully be disclaimed.

Nothing in these Terms limits any rights or remedies available under applicable insurance laws or consumer protection laws.

18. Changes to These Terms

We may revise these Terms periodically to reflect changes in our Website, services, operations, or legal requirements.

Updated Terms will be posted on this page with a revised effective date.

Changes will apply prospectively unless otherwise permitted by applicable law.

Your continued use of the Website after revised Terms become effective constitutes acceptance of those Terms to the extent permitted by law.

19. Governing Law

Except where otherwise required by applicable law, these Terms shall be governed by the laws of the State of Illinois, without regard to its conflict-of-law principles.

This provision does not override mandatory laws of another jurisdiction, applicable insurance regulatory requirements, or any governing-law provisions contained in a separate insurance policy or agreement.

20. Contact Information

For questions regarding these Terms & Conditions, please contact here

Email: info@kentfordinsuranc.com

Phone: (773) 299 8133

Last Updated: November 4th, 2026

Important Insurance Notice: Coverage cannot be bound, changed, renewed, reinstated, or canceled through a Website submission alone. All insurance transactions are subject to applicable insurer authorization, policy terms, underwriting requirements, and confirmation.

Terms

Website: www.kentfordinsurance.com

Operated By: Kentford Insurance Group Inc

Welcome to the website of Kentford Insurance Group Inc ("Agency," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your access to and use of our website, online forms, resources, and related website services (collectively, the "Website").

By accessing or using this Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.

1. About Our Agency

Kentford Insurance Group Inc is an independent insurance agency providing access to insurance products and related services, subject to applicable licensing, insurer appointments, product availability, and underwriting requirements.

Our services may include trucking insurance, freight broker insurance, commercial business insurance, surety bonds, and transportation risk management assistance.

We are not an insurance company. Insurance policies are issued by authorized or otherwise lawfully eligible insurers, and surety bonds are issued by surety companies, subject to applicable requirements.

Insurance products and services are offered only in jurisdictions where the Agency and its representatives are appropriately licensed or otherwise authorized to conduct the relevant activities.

2. Website Information and General Disclaimer

The information provided on this Website is intended for general informational purposes only.

Although we strive to maintain accurate and current information, we do not guarantee that all descriptions, explanations, or other Website content are complete, current, or applicable to every individual or business.

Information presented on this Website does not constitute a binding insurance offer, legal advice, tax advice, or a guarantee of insurance coverage.

Descriptions of insurance products are summaries only. Actual coverage is governed exclusively by the applicable policy, including its declarations, insuring agreements, conditions, exclusions, endorsements, and limitations.

In the event of any inconsistency between Website information and an issued insurance policy, the policy provisions control.

3. Insurance Quotes and Applications

Submitting a quote request, insurance application, or other inquiry through this Website does not guarantee eligibility, acceptance, pricing, or issuance of insurance coverage.

All quotations are subject to insurer underwriting, verification of submitted information, applicable rates, and availability.

A quotation may be revised, withdrawn, or declined before coverage is bound, as permitted by applicable law.

You agree to provide information that is accurate, complete, and not misleading. Material inaccuracies or omissions may affect underwriting, pricing, coverage, or claims, subject to applicable law and policy provisions.

We may request additional information or documentation to process an insurance application.

4. No Automatic Binding of Coverage

Insurance coverage cannot be bound, modified, renewed, reinstated, or canceled solely by submitting information through this Website, sending an email, leaving a voicemail, or transmitting a text message.

Coverage becomes effective only when it has been properly authorized and confirmed by an authorized representative or insurer in accordance with applicable requirements.

No request submitted through the Website should be considered approved unless you receive appropriate confirmation.

Do not assume that coverage is in effect based solely on a submitted application, quotation, payment, or acknowledgment of receipt.

For urgent insurance matters, contact our office directly during business hours and obtain confirmation of the requested action.

5. Policy Changes, Renewals, and Cancellations

Requests to add or remove vehicles, drivers, equipment, locations, insured parties, or coverages are subject to applicable policy terms, underwriting approval, and processing requirements.

Submitting a request does not guarantee that the requested change will become effective on the date specified.

Policy renewals, cancellations, reinstatements, and nonrenewals are governed by applicable insurance contracts and law.

Clients remain responsible for reviewing policy documents, premium notices, renewal terms, and other communications provided by insurers or the Agency.

6. Certificates of Insurance

Certificates of Insurance and other evidence-of-insurance documents are provided for informational purposes and are subject to applicable law.

A certificate does not amend, extend, or alter coverage afforded by an insurance policy.

Additional insured status, waivers of subrogation, primary and noncontributory provisions, and other contractual insurance requirements are effective only to the extent provided by the applicable policy or valid endorsements.

Requests for certificates or endorsements are subject to verification and approval, where required.

7. Premiums, Payments, and Fees

Insurance premiums, deposits, installment payments, agency fees, broker fees, and other applicable charges will be disclosed as required by law and applicable agreements.

Payment terms, due dates, cancellation provisions, and refunds are governed by the relevant policy, financing agreement, billing arrangement, or other applicable contract.

Where online payment functionality is offered, transactions may be processed by third-party payment service providers.

Submitting a payment does not independently guarantee that insurance coverage has been bound, renewed, reinstated, or maintained.

Any applicable fees, including payment processing fees, are subject to disclosure and applicable law.

8. Surety Bonds

Surety bonds are distinct from traditional insurance products.

A surety bond generally involves a principal, an obligee, and a surety company. Depending on the bond and applicable agreements, the principal and other indemnitors may be obligated to reimburse the surety for covered losses, expenses, or claims paid.

Submitting a surety bond application does not guarantee approval, issuance, or acceptance by the obligee.

Bond requirements, premiums, indemnity obligations, and underwriting standards vary by bond type, surety company, and jurisdiction.

9. Risk Management and Educational Resources

Our Website may provide information concerning transportation safety, FMCSA regulations, driver qualifications, compliance practices, accident prevention, and other risk management topics.

Such materials are provided for general educational purposes and do not replace independent legal advice, regulatory guidance, professional consultation, or the user's responsibility to comply with applicable laws.

Regulations and enforcement practices may change. Users are responsible for verifying current requirements applicable to their operations.

Unless expressly agreed in a separate written agreement, Website content does not establish an ongoing compliance monitoring, auditing, consulting, or advisory relationship.

No specific safety outcome, regulatory result, insurance eligibility determination, or premium reduction is guaranteed.

10. Electronic Communications

By contacting us electronically, you acknowledge that we may respond through appropriate communication channels, subject to applicable law and your communication preferences.

Email, text messaging, and online communications may involve security risks, including interception, unauthorized access, or transmission errors.

Please do not submit Social Security numbers, banking credentials, medical information, or other highly sensitive information through unsecured forms or ordinary email unless specifically instructed through an approved secure process.

Consent to receive electronic insurance notices, policy documents, or legally required disclosures will be obtained separately when required by applicable law.

Consent to receive marketing text messages or automated marketing calls, where required, will also be obtained separately and is not a condition of purchasing insurance.

Additional information about text messaging is provided in our SMS Terms & Conditions.

11. Privacy and Information Security

Your use of this Website is also subject to our Privacy Policy, which describes how we collect, use, disclose, retain, and protect personal information.

We use administrative, technical, and organizational safeguards designed to protect information as appropriate to our operations and legal obligations.

However, no internet-based transmission or electronic storage system can be guaranteed completely secure.

Please review our Privacy Policy for additional information about our data practices and applicable privacy rights.

12. Permitted Website Use

You agree to use this Website only for lawful purposes.

You may not:

Submit fraudulent, inaccurate, or misleading information.

Attempt unauthorized access to our systems or information.

Introduce malware, harmful code, or disruptive technology.

Interfere with Website security or functionality.

Misuse Website content, forms, or communication systems.

Use automated tools to extract Website content or data without authorization, except as permitted by applicable law.

We may restrict access to the Website when reasonably necessary to protect our systems, users, or business operations.

13. Intellectual Property

Unless otherwise indicated, the Website's original text, graphics, logos, branding, designs, and other proprietary materials are owned by or licensed to the Agency and are protected by applicable intellectual property laws.

You may view and use Website content for lawful personal or internal business purposes.