Terms & Conditions

1. About The MHP Group Website

This website is intended to provide general information about The MHP Group, our insurance services, risk management resources, industry expertise, and ways to contact our team. The content on this website is provided for informational purposes only and should not be considered legal, financial, tax, or insurance advice.

Submitting a form, requesting a quote, downloading information, or contacting The MHP Group through this website does not guarantee coverage, create a broker-client relationship, bind insurance, or modify any existing insurance policy.

2. No Insurance Coverage Is Bound Through This Website

Insurance coverage cannot be bound, changed, cancelled, or confirmed through this website alone. Coverage is only bound when confirmed in writing by an authorized representative of The MHP Group or the applicable insurance carrier.

Any descriptions of insurance products, coverage options, limits, exclusions, or policy features are general in nature. Actual coverage is governed by the terms, conditions, definitions, exclusions, endorsements, and limitations of the applicable insurance policy.

3. Quote Requests and Information You Provide

When you submit information through this website, including quote request forms or contact forms, you agree that the information you provide is accurate, complete, and current to the best of your knowledge.

The MHP Group may use the information you provide to evaluate your request, communicate with you, review potential coverage options, and connect with insurance carriers or partners as needed to respond to your inquiry.

You understand that inaccurate, incomplete, or misleading information may affect the availability, pricing, or terms of insurance coverage.

4. Website Content and Educational Materials

The content on this website, including blog articles, service pages, guides, FAQs, checklists, and other materials, is provided for general educational purposes only. While The MHP Group strives to provide accurate and helpful information, we do not guarantee that all content is complete, current, or applicable to your specific business, industry, location, or risk profile.

You should not rely solely on website content when making insurance, legal, financial, compliance, or business decisions. Please consult the appropriate professional advisor for guidance specific to your situation.

5. User Responsibilities

By using this website, you agree not to:

• Use the website for any unlawful, fraudulent, harmful, or abusive purpose.
• Submit false, misleading, incomplete, or unauthorized information.
• Attempt to interfere with the security, functionality, or availability of the website.
• Use automated tools, bots, scrapers, or similar technologies to access or copy website content without permission.
• Upload or transmit viruses, malware, spam, or other harmful code.
• Use The MHP Group name, logo, content, or materials without written authorization.

6. Intellectual Property

All content on this website, including text, graphics, logos, design elements, images, service descriptions, page layouts, and other materials, is owned by or licensed to The MHP Group unless otherwise stated.

You may view and print pages from this website for personal or internal business use. You may not copy, reproduce, modify, distribute, publish, sell, or use website content for commercial purposes without prior written permission from The MHP Group.

7. Third-Party Links

This website may include links to third-party websites, tools, resources, carriers, partners, or service providers. These links are provided for convenience only. The MHP Group does not control and is not responsible for third-party websites, content, privacy practices, security, accuracy, availability, or services.

Accessing a third-party website is at your own risk and subject to that third party’s terms and policies.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we may collect, use, and protect information submitted through this website.

Please review our Privacy Policy for more information about how The MHP Group handles personal information.

9. Communications

By submitting a form, requesting a quote, or contacting The MHP Group through this website, you authorize us to contact you by phone, email, text message, or other reasonable communication methods regarding your inquiry, insurance options, policy review, or related services.

You may request that we stop contacting you at any time, subject to any communications required for existing business, legal, regulatory, or administrative purposes.

10. No Warranty

This website is provided on an “as is” and “as available” basis. The MHP Group makes no warranties or representations, express or implied, regarding the website, its content, its availability, or its suitability for any particular purpose.

We do not guarantee that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

11. Limitation of Liability

To the fullest extent permitted by law, The MHP Group and its owners, officers, employees, representatives, affiliates, partners, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to your use of this website, reliance on website content, inability to access the website, or interaction with any linked third-party site.

This limitation applies even if The MHP Group has been advised of the possibility of such damages.

12. Indemnification

You agree to defend, indemnify, and hold harmless The MHP Group and its owners, officers, employees, representatives, affiliates, partners, and service providers from and against any claims, damages, liabilities, losses, costs, or expenses arising from your use of this website, your violation of these Terms, or your submission of inaccurate, unlawful, or unauthorized information.

13. Availability and Website Changes

The MHP Group may update, modify, suspend, or discontinue any part of this website at any time without notice. We may also restrict access to certain parts of the website if necessary for security, maintenance, legal, or business reasons.

14. Governing Law

These Terms & Conditions are governed by the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes related to these Terms or your use of this website shall be handled in the appropriate courts located in New Jersey, unless otherwise required by applicable law.

15. Contact The MHP Group

If you have questions about these Terms & Conditions, this website, or our insurance services, please contact us:

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