Terms and Conditions for BKR Risk, LLC (Effective Date: May 2026)

These Terms and Conditions (“Terms”) govern your use of the website www.BKRRisk.com (the “Site”) operated by BKR Risk, LLC (“Company,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. No Insurance Advice or Binding Quotes

  • The information on this Site is for general informational purposes only.

  • Nothing on this Site constitutes insurance advice, a formal quote, or a binding offer of coverage.

  • All quotes, coverages, and terms are subject to underwriting, approval, and the actual policy issued by the insurance carriers or MGAs that we partner with.

  • Final coverage is determined solely by the insurance company after full application review.

2. Use of the Site

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

  • Use the Site to transmit any harmful code, viruses, or disruptive content.

  • Attempt to gain unauthorized access to any portion of the Site.

  • Scrape, copy, or reproduce content for commercial purposes without our written permission.

3. Quote Requests and Submissions

  • Any information you submit through quote forms, contact forms, or other tools is used solely to provide insurance-related services.

  • Submissions do not create a binding contract until a formal policy is issued and delivered.

  • We may use automated tools (including AI systems) to process submissions, generate documents, and follow up.

4. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of BKR Risk, LLC or its licensors and is protected by U.S. copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

5. Privacy

Your privacy is important to us. Please review our Privacy Policy which explains how we collect, use, and protect your information.

6. Disclaimers

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, ABOUT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION ON THE SITE. WE DISCLAIM ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS IN PROVIDING INFORMATION OR SERVICES.

7. Limitation of Liability

To the fullest extent permitted by law, BKR Risk, LLC and its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site or any insurance-related services. Our total liability shall not exceed the amount you paid to us in the twelve (12) months preceding any claim.

8. Indemnification

You agree to indemnify and hold harmless BKR Risk, LLC from any claims, losses, or damages arising from your violation of these Terms or your misuse of the Site.

9. Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Collin County, Texas.

10. Changes to These Terms

We may update these Terms from time to time. We will post the revised version on this page with a new effective date. Your continued use of the Site after changes constitutes acceptance of the new Terms.

11. Contact Us

If you have any questions about these Terms, please contact us at: BKR Risk, LLC Allen, Texas Phone: 214-599-7660 EMAIL