Terms of Use

Agreement to these terms

By using richardjohnsongroup.com you agree to these Terms of Use. If you don't agree with them, please don't use the site. These terms apply to the website only, the insurance policies we place are governed by the policy documents issued by the carrier.

This website is information, not an offer of insurance

Everything on this site is provided for general informational purposes. Nothing here is an offer to sell insurance, a binder, a quote, or a promise that coverage is available to you.

Quotes, availability, and eligibility

Premiums, coverage descriptions, discounts, and carrier names shown here are illustrative and subject to change. Actual availability, pricing, terms, and eligibility are determined by the insurance carrier through its underwriting process and by the state in which you live. Any rate estimator or calculator on this site produces rough market-average illustrations only. Those figures are not quotes and should not be relied on as such.

Coverage descriptions are summaries

Descriptions of coverages, exclusions, limits, and requirements on this site are simplified summaries written in plain language. They do not modify any policy. In every case the actual policy language, including its definitions, conditions, and exclusions. Controls what is and isn't covered. If a summary here conflicts with your policy, your policy governs.

Legal, tax, and financial advice

We are licensed insurance agents. We are not attorneys, accountants, or investment advisors, and nothing on this site is legal, tax, or investment advice. Statements about state law reflect our understanding at the time of writing and can change. For advice about your specific legal or tax situation, consult a qualified professional. We're glad to work alongside yours.

Where we can do business

Richard Johnson Group, LLC is an independent insurance agency operating from Ringgold and Augusta, Georgia. We can only transact insurance business in states and lines for which we and the relevant carrier are properly licensed and appointed. If you're outside the areas we serve, we'll tell you.

Accuracy and availability

We work to keep this site accurate and current, but we don't warrant that it is free of errors or that it will be available without interruption. Content may be updated or removed at any time without notice.

Intellectual property

The content, design, text, and graphics on this site are owned by Richard Johnson Group, LLC or used with permission, and are protected by copyright and other laws. You may view and print pages for your own personal, non-commercial use. You may not republish, sell, or systematically copy the site's content without our written permission. Carrier names and logos are the trademarks of their respective owners and appear here only to identify companies we work with.

Third-party links

This site links to carrier websites, mapping services, and social media platforms we don't control. Those links are provided for convenience and are not an endorsement. We're not responsible for the content, accuracy, or practices of any third-party site.

Disclaimer of warranties

This website is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by Georgia law, Richard Johnson Group, LLC and its owners, employees, and agents are not liable for any indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website. Nothing in these terms limits any obligation we owe you as your insurance agent under an actual agency relationship, or any liability that cannot lawfully be limited.

Governing law

These terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws principles. Any dispute relating to this website will be brought in the state or federal courts located in Georgia.

Changes to these terms

We may revise these terms at any time. The revision date at the top of this page reflects the current version, and continued use of the site after changes are posted means you accept them.

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