These Terms and Conditions ("Terms") govern your access to and use of this website, operated by M+A Risk Management ("M+A," "we," "us," or "our"). By using this site, you agree to these Terms. If you do not agree, please do not use the site.
1. About M+A and Licensing
M+A Risk Management is an independent insurance brokerage headquartered in the Houston, Texas area, with a mailing address of 9450 Pinecroft Dr, Spring, TX 77380.
We are licensed to transact insurance business in: TX, CO, CA, FL, IN, KS, LA, MD, MI, NV, NJ, NM, NC, OH, OK, SC, TN, and WY. Agency License #2981363.
Not all products, coverages, or services described on this site are available in every state, through every carrier, or to every applicant. Availability, terms, and pricing depend on the state, the carrier, and individual underwriting.
2. Informational Purposes Only — No Advice
The content on this site is general information about insurance and risk management. It is not advice about your specific situation, and it is not a substitute for a conversation with a licensed professional about your circumstances.
We are an insurance brokerage. We do not provide legal, tax, accounting, investment, or estate planning advice. Where we discuss the use of insurance in connection with business succession, buy-sell arrangements, wealth transfer, or similar planning, we are describing insurance products and how they may be structured — not rendering legal or tax advice, and not acting as your attorney, accountant, or estate planner. You should consult your own attorney and tax advisor, and we are glad to coordinate with them.
3. No Offer, and No Coverage Is Bound Through This Site
Nothing on this site is an offer to sell, or a solicitation to buy, any insurance product in any jurisdiction where we are not licensed or where such an offer would be unlawful.
You cannot obtain, bind, change, or cancel coverage through this website. Requests submitted by email, voicemail, text, or a scheduling link are not effective until an authorized representative of M+A confirms them, and coverage is not in force until the insurance carrier accepts the risk and binds it in writing.
Any quote, figure, illustration, or coverage description on this site or provided by us is an estimate for discussion, subject to carrier underwriting, verification of the information supplied, and the carrier's final terms. The issued policy — its terms, conditions, limits, and exclusions — controls in all cases. If a statement on this site conflicts with a policy, the policy governs.
4. Accuracy of Information You Provide
Insurance placement depends on the accuracy and completeness of the information provided in applications and supporting documents. You are responsible for the accuracy of the information you give us. Incomplete or inaccurate information can affect pricing, coverage, and a carrier's willingness to pay a claim, up to and including rescission of a policy.
5. Scheduling and Third-Party Links
This site links to third-party services, including a third-party scheduling platform. We do not control those services, and we are not responsible for their content, availability, security, or privacy practices. Your use of a third-party service is governed by that provider's terms and privacy policy.
6. Intellectual Property
The content on this site — text, design, graphics, logos, and the M+A Risk Management name and marks — is owned by M+A or its licensors and is protected by applicable intellectual property laws. You may view and print pages for your own personal or internal business use. You may not copy, reproduce, republish, distribute, modify, or create derivative works from this site for commercial purposes without our prior written permission.
Photography on this site may be licensed from third parties and is used under their respective licenses.
7. Acceptable Use
You agree not to use this site to violate any law, to attempt to gain unauthorized access to any system, to interfere with the site's operation or security, to scrape or harvest data by automated means, or to transmit malicious code.
8. Disclaimer of Warranties
This site is provided "as is" and "as available." To the fullest extent permitted by law, M+A disclaims all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the site will be uninterrupted, timely, secure, or error-free, or that the information on it is complete, current, or accurate.
9. Limitation of Liability
To the fullest extent permitted by law, M+A and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of this site, whether based in contract, tort, strict liability, or otherwise, even if advised of the possibility of such damages.
Nothing in these Terms limits any liability that cannot be limited under applicable law, and nothing in these Terms limits, waives, or alters the obligations of any insurance carrier under an issued policy, or our obligations to you as a licensed insurance producer under applicable insurance law.
10. Indemnification
You agree to indemnify and hold harmless M+A and its owners, employees, and agents from any claims, losses, liabilities, and expenses, including reasonable attorneys' fees, arising out of your misuse of this site or your violation of these Terms or applicable law.
11. Electronic Communications
When you contact us electronically or use this site, you consent to receive communications from us electronically. You agree that electronic communications, agreements, and notices satisfy any legal requirement that such communications be in writing, except where applicable insurance law requires otherwise.
Email is not a secure medium and is not a reliable way to report a claim or request an urgent coverage change. For anything time-sensitive, call us at +1 (346) 553-9301 and confirm that we received it.
12. Privacy
Our handling of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.
13. Governing Law and Venue
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or this site will be brought exclusively in the state or federal courts located in Texas, and you consent to the jurisdiction of those courts. This provision applies to use of this website and does not alter any dispute-resolution, venue, or appraisal provision contained in an insurance policy.
14. Severability and Waiver
If any provision of these Terms is held unenforceable, the remaining provisions remain in full force. Our failure to enforce a provision is not a waiver of it.
15. Changes to These Terms
We may update these Terms at any time. Changes take effect when posted, and the "Last updated" date above will reflect the revision. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.