Terms of Service

These Terms of Service ("Terms") govern your use of HutchInsured.com (the "Site") and any interactions with Hutch Insurance ("Hutch Insurance," "we," "us," or "our"). By using the Site, contacting us, or requesting insurance information, you agree to these Terms.

Informational Purpose Only

Content on the Site — including descriptions of Medicare, ACA Marketplace, life insurance, and annuity products — is provided for general informational purposes only and does not constitute a contract, quote, guarantee of coverage, or a comprehensive summary of any policy's terms, benefits, exclusions, or limitations. Actual coverage is governed solely by the official policy documents issued by the applicable insurance carrier.

No Guarantee of Plan Availability

We do not offer every plan available in your area. Plan availability, pricing, carrier participation, and product features are subject to change without notice and vary by location and eligibility. For a full list of options, contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

No Professional or Financial Advice

Nothing on the Site constitutes legal, tax, medical, or financial advice. You should independently verify plan details with the applicable carrier and consult a qualified professional regarding your individual circumstances before making insurance decisions.

Third-Party Links and Enrollment Platforms

The Site may link to third-party websites or enrollment portals (including carrier or self-service enrollment platforms) that we do not own or control. We are not responsible for the content, accuracy, availability, or privacy practices of any third-party site, and use of those sites is at your own discretion and subject to their own terms and policies.

Limitation of Liability

To the fullest extent permitted by law, Hutch Insurance and its owners, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Site, reliance on any information provided, or any insurance product obtained through or referenced by the Site. This includes, without limitation, damages related to coverage decisions, enrollment errors, missed deadlines, or third-party platform issues beyond our reasonable control.

No Warranty

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to accuracy, completeness, timeliness, or fitness for a particular purpose. We make reasonable efforts to keep information current but cannot guarantee that all content is free of errors or omissions.

Indemnification

You agree to indemnify and hold harmless Hutch Insurance and its owners, agents, and representatives from any claims, losses, liabilities, or expenses (including reasonable attorneys' fees) arising out of your misuse of the Site or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in Highlands County, Florida.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms can be directed to info@hutchinsured.com or (863) 225-2718.