Website Disclaimer
Last updated: August 2026
This website disclaimer ("Agreement") is provided by Korol Group, LLC, doing business as Reef Insurance Group ("Reef Insurance Group," "we," "us," or "our"). By accessing or using our website at reefinsurancegroup.com (the "Site"), you ("user" or "you") agree to the terms described below. If you do not agree, please discontinue use of the Site.
General Information Disclaimer
The information provided on this website is for general informational and educational purposes only. While Reef Insurance Group strives to keep information accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or availability of the information contained on this Site.
Insurance products, coverage options, carrier availability, and underwriting requirements vary by state, carrier, and individual circumstances. The descriptions of insurance products on this Site are general in nature and do not reflect the full terms of any specific policy.
No Guarantee of Coverage or Pricing
Reef Insurance Group does not guarantee that coverage will be offered, that any quote will result in a bound policy, or that specific pricing, discounts, or savings will apply. All coverage is subject to carrier availability, underwriting approval, and the terms, conditions, limitations, and exclusions of the applicable policy.
Submitting a quote request or contact form through this website does not bind, change, or cancel any insurance coverage. No insurance coverage is in effect until an application is completed, approved by the carrier, and the applicable premium is paid.
Not Legal or Professional Advice
The content on this Site is not intended to constitute legal, tax, or professional insurance advice. You should consult with a qualified professional for advice specific to your individual situation before making decisions regarding insurance coverage.
Licensing and Jurisdiction
Korol Group, LLC, doing business as Reef Insurance Group, is a licensed independent insurance agency. Agency License NPN #22254533. Personal NPN #19005273. We are licensed to conduct insurance business in North Carolina and Illinois. We do not solicit or conduct insurance business in states where we are not properly licensed.
Third-Party Content and Links
This Site may reference or link to third-party websites, carriers, or resources. Reef Insurance Group has no control over the nature, content, or availability of those sites. The inclusion of any links does not imply endorsement or responsibility for the content of those sites.
Limitation of Liability
Under no circumstances shall Reef Insurance Group, Korol Group, LLC, its owners, employees, or agents be liable for any loss or damage arising from the use of, or reliance on, any information provided on this Site. Your use of the Site and its content is solely at your own risk.
Changes to Website Content
Reef Insurance Group reserves the right to update, modify, or remove content on this website at any time without prior notice. We are not obligated to update the information on this Site and make no commitment to do so.
Contact Information
If you have questions about this disclaimer or any information presented on this Site, please contact Reef Insurance Group at info@reefinsurancegroup.com or (910) 836-1943.
Questions About This Policy?
If you have any questions or concerns regarding this website disclaimer, please contact us: