Terms of Service

Effective Date: 1/1/2026

The use of this website and any interaction with Hardigan Insurance Services (“Hardigan,” “we,” “us,” or “our”), whether in person, virtually, or electronically, is expressly conditioned on your acceptance of these Terms of Service. If you do not agree, you must not use this website.

You must be at least 18 years old to use this website. By using this website, you represent that you are at least 18 years of age.

By using this website, you agree to mandatory binding individual arbitration of disputes as outlined below and waive certain rights, including the right to bring a claim in court or participate in a class action.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

License & Intellectual Property

All content on this website, including logos, text, graphics, and service marks, is the property of Hardigan Insurance Services or its licensors and is protected by copyright and intellectual property laws.

You may not:

• Copy, reproduce, modify, republish, or distribute website content

• Use our trademarks or branding without written permission

• Conduct automated data collection (scraping, harvesting, mining)

• Use content for commercial purposes without authorization

Unauthorized use is strictly prohibited.

Important Insurance Disclosure

Insurance coverage cannot be bound, changed, or canceled via email, text message, voicemail, or website submission.

To bind, modify, or cancel coverage, you must speak directly with a licensed representative of Hardigan Insurance Services at:

310-375-4000
22805 Hawthorne Blvd
Torrance, CA 90505

No coverage is effective unless confirmed in writing or by issuance of policy documents from the insurance carrier.

Hardigan Insurance Services is a licensed insurance agency. All products are subject to availability and underwriting approval by third-party insurance carriers and applicable state regulations.

Communications & Recordings

By communicating with us via phone, chat, SMS, or online forms, you consent to monitoring and recording for quality assurance, training, and compliance purposes.

Do not submit sensitive personal information (such as Social Security numbers or credit card details) through chat or text functions.

 

Age Restrictions

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By using this website and/or our services, you represent and warrant that you are at least eighteen (18) years of age and have the legal capacity to enter into a binding contract with us.

 

If you are under 18, you are not permitted to use our services or submit any personal information to us. If we discover that you have misrepresented your age, we reserve the right to terminate your access to the service immediately without notice.

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Acceptable Use

You agree not to:

• Use the website for unlawful or fraudulent purposes

• Upload malicious software

• Interfere with website security or availability

• Send unsolicited commercial communications

We reserve the right to restrict or terminate access for violations.

User Submissions

If you submit ideas, feedback, or materials, you grant Hardigan Insurance Services a non-exclusive, royalty-free license to use, reproduce, and distribute such submissions.

Submissions must not infringe the rights of others or violate any laws.

No Warranties

This website is provided “as is” without warranties of any kind, express or implied. We do not guarantee:

• Continuous or error-free access

• Accuracy or completeness of information

• Availability of insurance products

Nothing on this site constitutes legal, financial, or professional advice.

Limitation of Liability

To the fullest extent permitted by law, Hardigan Insurance Services shall not be liable for indirect, incidental, special, or consequential damages arising from use of this website.

Indemnification

You agree to indemnify and hold harmless Hardigan Insurance Services from any claims, losses, or damages arising from your misuse of the website or violation of these Terms.

Dispute Resolution – Arbitration Agreement

Any dispute or claim arising out of or relating to these Terms, your use of this website, any insurance transaction, or any communication with Hardigan Insurance Services shall be resolved by mandatory binding individual arbitration, administered by the American Arbitration Association (AAA) under the Federal Arbitration Act.

Before initiating arbitration, both parties agree to attempt informal resolution for 30 days by contacting:

Karl Smith
Email: ksmith@hardiganis.com
Phone: 310-375-4000

You waive the right to:

• A trial by jury

• Bringing or participating in a class action

• Class arbitration

Arbitration will occur in California or by remote means.

If any provision of this arbitration agreement is found unenforceable, the remainder shall remain in effect.

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their content, policies, or practices.

SMS Communications

By providing your phone number and opting into our SMS program, you consent to receive recurring informational and marketing text messages from Hardigan Insurance Services.

• Message frequency varies

• Message and data rates may apply

• Consent is not a condition of purchase

To opt out, text STOP.
To resubscribe, text START.
For assistance, text HELP or call 310-375-4000.

Carriers are not liable for delayed or undelivered messages.

Governing Law

These Terms are governed by the laws of the State of California. Any court proceedings (where permitted) shall be brought in Los Angeles County, California.

Changes to Terms

We may update these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.

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• Hardigan Insurance Services is a full service insurance agency  for property and causalty insurance;

• You can cancel the SMS service at any time. Just text "STOP" to 714-815-0415. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

• If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at (310)375-4000 or email us at ksmith@hardiganis.com.

• Carriers are not liable for delayed or undelivered messages

• As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages once in a week. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

• If you have any questions regarding privacy, please read our privacy policy

Contact Information

Hardigan Insurance Services
22805 Hawthorne Blvd
Torrance, CA 90505
Phone: 310-375-4000
Email: ksmith@hardiganis.com