Last updated: August 04, 2025
Please read these Terms and Conditions carefully before using our service.
Interpretation and Definitions
Interpretation:
Words with capitalized first letters have specific meanings as defined below. These definitions apply whether they are used in singular or plural.
Definitions:
Affiliate: An entity that controls, is controlled by, or is under common control with a party. “Control” means owning 50% or more of voting shares or equity.
Country: Refers to Delaware, United States.
Company: Refers to McHugh Insurance Group, located at 2417 Silverside Rd Suite 2, Wilmington, DE 19810. Also referred to as “the Company,” “We,” “Us,” or “Our.”
Device: Any device capable of accessing the Service, including computers, cellphones, or tablets.
Service: Refers to the Website.
Terms and Conditions (Terms): These terms that govern your use of the Service. This agreement was created using the Terms and Conditions Generator.
Third-party Social Media Service: Any services or content provided by third parties that may be shown or used within the Service.
Website: Refers to Delaware Valley Contractors Insurance, accessible at dvcontractorsinsurance.com.
You: The individual or legal entity accessing or using the Service.
Acknowledgment
These Terms govern your use of our Service and form a binding agreement between you and the Company. By accessing the Service, you agree to these Terms. If you do not agree, you may not use the Service.
You must be over 18 years old to use this Service. Use of the Service is also subject to our Privacy Policy, which explains how we handle your personal information. Please read it carefully.
Messaging Terms & Conditions
You agree to receive informational messages from Delaware Valley Contractors Insurance. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at contact@mchughinsurancegroup.com. You can opt out at any time by replying STOP.
Links to Other Websites
Our Service may link to third-party websites that are not under our control. We are not responsible for their content, privacy practices, or operations. You agree that we are not liable for any loss or damage arising from your use of such third-party sites.
We encourage you to review their terms and privacy policies.
Termination
We may suspend or terminate your access to the Service at any time without notice if you violate these Terms. Upon termination, your right to use the Service ends immediately.
Limitation of Liability
Regardless of any damages you may suffer, the Company’s total liability under these Terms is limited to the amount you paid for the Service or $100 if no payment was made.
To the maximum extent permitted by law, we are not liable for indirect, special, incidental, or consequential damages, even if we were informed of the possibility. Some jurisdictions do not allow such exclusions, so they may not apply to you.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided “AS IS” and “AS AVAILABLE” without warranties of any kind. We disclaim all warranties, express or implied, including those of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not guarantee the Service will meet your needs, function without interruption, or be error-free. We also do not warrant that content is accurate, current, or free of harmful components like viruses or malware.
Some jurisdictions may not allow exclusions of certain warranties, so these disclaimers may not apply in full.
Governing Law
These Terms are governed by the laws of Delaware, United States, excluding its conflict of law rules. Other local, state, or national laws may also apply depending on your location.
Disputes Resolution
If you have concerns or disputes regarding the Service, you agree to try resolving them informally by contacting the Company first.
For European Union (EU) Users
If you are a resident of the European Union, you are entitled to protections under the laws of your country of residence.
United States Legal Compliance
You confirm that:
You are not in a country subject to U.S. government embargoes or designated as a “terrorist supporting” country.
You are not on any U.S. government list of prohibited or restricted individuals.
Severability and Waiver
Severability:
If any part of these Terms is found to be invalid or unenforceable, the remaining parts will still apply.
Waiver:
Failure to enforce any part of these Terms does not mean we waive our right to enforce it later. A waiver of one breach does not waive any later breaches.
Translation Interpretation
If these Terms are translated into another language, the original English version will prevail in case of any conflict.
Changes to These Terms and Conditions
We reserve the right to update or change these Terms at our sole discretion. If the changes are material, we will try to give at least 30 days’ notice. What qualifies as a material change is determined by us.
By continuing to use the Service after changes take effect, you agree to the new Terms. If you do not agree, stop using the Service.
Contact Us
If you have any questions about these Terms and Conditions, you can reach us by email: contact@mchughinsurancegroup.com