Terms of use

Effective Date: 6/25/2026

Welcome to Harborstone Risk Advisors (“Company,” “we,” “us,” or “our”). By accessing or using our website, services, or contacting us through this site, you agree to be bound by the following Terms of Use. Please read them carefully.

1. Use of Website

This website is intended to provide general information about insurance products and services offered by Harborstone Risk Advisors. You agree to use this website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the site.

2. No Insurance Coverage Binding

Information provided on this website is for informational purposes only and does not constitute an offer, solicitation, or guarantee of coverage. No insurance coverage is bound, altered, or changed until confirmed in writing by a licensed insurance agent or carrier.

3. Professional Services

Harborstone Risk Advisors is an independent insurance brokerage. We work with multiple insurance carriers to help clients evaluate coverage options. All insurance products are subject to underwriting approval, eligibility requirements, and carrier guidelines.

4. No Guarantee of Results

While we strive to provide accurate and helpful information, we do not guarantee specific outcomes, approvals, rates, or policy availability. Insurance decisions are made by the issuing carriers based on their underwriting criteria.

5. Quotes and Submissions

Any information submitted through this website (including quote requests or contact forms) does not create a binding agreement. We may contact you to follow up on your request, but submission does not guarantee coverage or pricing.

6. Intellectual Property

All original content on this website, including text, branding, logos, and design elements, is the property of Harborstone Risk Advisors unless otherwise state, and my not be copied, reproduced, or distributed without prior written permission.

This website may also include images, graphics, or other media that are used under license or obtained from third-party stock image providers. Such materials remain the property of their respective owners and are used in accordance with applicable licensing terms. Harborstone Risk Advisors does not claim ownership of third-party licensed contednt.

Unauthorized use of any materials on this website may violate copyright, trademark, and other applicable laws.

7. Limitation of Liability

Harborstone Risk Advisors is not liable for any damages arising from the use or inability to use this website, including reliance on any information provided herein.

8. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites.

9. Privacy

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

10. Changes to Terms

We reserve the right to update or modify these Terms of Use at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

11. Contact Information

If you have any questions regarding these Terms of Use, you may contact us at:

Harborstone Risk Advisors

Email: [your email]

Phone: (973)-303-3286

By using this website, you acknowledge that you have read, understood, and agree to these Terms of Use.