These terms govern your use of koainsurance.com and KOA Insurance Agency's services. Please read them carefully.
Last updated: June 1, 2025 · Effective: June 1, 2025
By accessing or using the website at koainsurance.com or requesting services from Ken O'Hara Agency ("KOA," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please discontinue use of our website and services.
KOA is a licensed independent insurance agency based in Manchester, Connecticut. We provide insurance consultation, quoting, and placement services for personal and commercial insurance lines. Our services include:
Use of this website is for informational purposes. Submitting a quote or contact form does not constitute a binding insurance agreement. Coverage is only effective when a policy has been formally issued by a licensed carrier.
Information provided on this website is general in nature and does not constitute specific insurance advice. Coverage availability, eligibility, and pricing vary by carrier and individual circumstances. We make no guarantee that coverage will be available or that quoted rates will be finalized until a policy is formally bound.
Always review your actual policy documents carefully. The policy contract — not any website content or verbal representation — is the binding legal agreement between you and the insurance carrier.
We strive to keep all website content accurate and up to date. However, insurance regulations, carrier availability, and coverage terms change frequently. We make no warranty that all information on this site is current, complete, or error-free.
You are responsible for providing accurate and complete information when requesting a quote or submitting any form. Inaccurate information may result in incorrect quotes or, in some cases, policy cancellation or claim denial.
All content on koainsurance.com — including text, graphics, logos, and design — is the property of Ken O'Hara Agency and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any site content without our prior written permission.
Our website may contain links to third-party websites, including insurance carrier portals, Calendly, and social media platforms. These links are provided for convenience only. KOA has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any external site you visit.
This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. KOA does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, Ken O'Hara Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or our services — even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or relating to these terms or your use of our services shall not exceed the amount of fees, if any, paid by you to KOA in the twelve months preceding the claim.
These Terms of Service are governed by the laws of the State of Connecticut, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Hartford County, Connecticut.
We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the revised terms.
If you have questions about these Terms of Service, please contact us:
Questions about your insurance? Visit our Contact page or request a free quote. Ken responds personally to every inquiry.