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Terms of Service  

Roache Insurance & Financial Services Alliance Inc
DBA Michael Roache Insurance Agency
11350 McCormick Rd, EP2, STE 101
Hunt Valley, MD 21031 USA
Effective Date: January 1, 2026

Welcome to the website and online services (collectively, the “Site”) of Roache Insurance & Financial Services Alliance Inc DBA Michael Roache Insurance Agency (“we,” “us,” “our,” or the “Agency”). The Agency is an independent insurance broker licensed in Maryland, Virginia, Delaware, Pennsylvania, and West Virginia. We provide information about insurance products and services in personal lines (e.g., auto, home, renters, life) and commercial lines (e.g., business property, liability, workers’ compensation), and we facilitate quotes, applications, and policy placements with various unaffiliated insurance carriers.

By accessing, browsing, or using the Site in any way, you agree to be bound by these Terms of Use (“Terms”).** If you do not agree to these “Terms”, you must not access or use the Site. We may update these Terms from time to time; continued use of the Site after changes constitutes acceptance of the revised Terms. Check this page periodically for updates.

1. No Insurance Binding or Advice via the Site

The Site is for informational and convenience purposes only.

No insurance coverage is bound, issued, endorsed, modified, or canceled through submission of any online form, quote request, email, chat, or other communication via the Site.

Any quote provided online is preliminary, non-binding, and subject to full underwriting, verification, and acceptance by the insurance carrier(s).

All insurance decisions, coverage details, policy terms, exclusions, conditions, and premiums are determined solely by the applicable insurance carrier(s).

Nothing on the Site constitutes professional insurance, legal, tax, financial, or other advice. You should consult directly with a licensed insurance professional for advice specific to your needs.

2. Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Site in any way that violates applicable federal, state (MD, VA, DE, PA, WV), or local laws or regulations.
  • Transmit any harmful code, viruses, or disruptive materials.
  • Attempt to gain unauthorized access to any part of the Site, accounts, or systems.
  • Copy, modify, distribute, or create derivative works from any content without our express written permission.
  • Use automated means (e.g., bots, scrapers) to access or collect data from the Site.
3. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is owned by us or our licensors and protected by U.S. and international copyright, trademark, and other laws. You are granted a limited, non-exclusive, non-transferable license to view and use the Site for personal, non-commercial purposes only, subject to these Terms.

4. Submissions and Communications
  • Any information you submit through the Site (e.g., quote requests, contact forms) is subject to our Privacy Policy (separate document).
  • You represent that all information you provide is accurate, current, and complete.
  • We may contact you via email, phone, or other means regarding your inquiry or insurance needs.
  • Do not send sensitive personal information (e.g., full Social Security number, financial account details, health details) via unsecured email or forms unless instructed. Use phone or secure methods for such information.
5. Third-Party Links and Content

The Site may contain links to third-party websites (e.g., insurance carriers, rating services). We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of those sites. Access and use are at your own risk.

6. Disclaimers

THE SITE AND ALL INFORMATION, TOOLS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

INFORMATION ON THE SITE IS GENERAL IN NATURE AND MAY NOT REFLECT CURRENT POLICY FORMS, RATES, OR AVAILABILITY IN YOUR STATE OR FOR YOUR SPECIFIC CIRCUMSTANCES.

 7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY, IF ANY, SHALL NOT EXCEED THE AMOUNT YOU PAID US (IF ANY) IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

8. Indemnification

You agree to indemnify, defend, and hold harmless the Agency, its owners, officers, employees, agents, and affiliates from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys’ fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Maryland, without regard to conflict of law principles. Any disputes arising from these Terms or use of the Site shall be resolved exclusively in the state or federal courts located in Baltimore County, Maryland. You consent to the personal jurisdiction and venue of such courts.

10. Miscellaneous
  • If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force.
  • Our failure to enforce any right does not waive that right.
  • These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Site.
Contact Us

Questions about these Terms? Contact:

Roache Insurance & Financial Services Alliance Inc 
DBA Michael Roache Insurance Agency 
11350 McCormick Rd, EP2, STE 101 
Hunt Valley, MD 21031 USA 
Phone: 1-888-660-0618  
Email: [email protected]
Website Address: https://www.michaelroacheinsurance.com

Thank you for visiting our Site. We appreciate the opportunity to assist with your insurance needs