Terms and Conditions
Last updated: August 2026
This terms and conditions ("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.
Acceptance of Terms
By accessing and using the Reef Insurance Group website, you accept and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use the Site.
Use of the Site
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of, the Site by any third party. You must not use the Site to submit false, misleading, or fraudulent information, or to attempt to gain unauthorized access to any portion of the Site.
Reef Insurance Group reserves the right to suspend or terminate access to the Site at any time, without notice, for any violation of these Terms.
No Insurance Advice or Binding of Coverage
The information provided on this Site is for general informational purposes only and does not constitute professional insurance advice. Submitting a quote request or contact form through this Site does not bind, change, or cancel any insurance coverage.
Coverage is subject to carrier availability, underwriting approval, and the terms, conditions, limitations, and exclusions of the applicable policy. All quotes are estimates only and are not guarantees of coverage or pricing.
Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Korol Group, LLC d/b/a Reef Insurance Group or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content without prior written permission.
Third-Party Links and Content
The Site may contain links to third-party websites and resources. Reef Insurance Group is not responsible for the availability, accuracy, or content of those external sites and does not endorse any products or services offered through them.
Limitation of Liability
To the fullest extent permitted by law, Reef Insurance Group and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, the Site or any information obtained through it.
Your use of the Site is at your sole risk. The Site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
No Agency Relationship
Nothing on this Site creates or should be construed as creating an agency, partnership, or fiduciary relationship between you and Reef Insurance Group. An insurance agent-client relationship is established only after mutual agreement and completion of the applicable application process.
Indemnification
You agree to indemnify and hold harmless Reef Insurance Group, its affiliates, and their respective officers, employees, and agents from any claims, damages, liabilities, or expenses (including reasonable attorney fees) arising from your use of the Site or your violation of these Terms.
Changes to These Terms
We may revise these Terms and Conditions at any time by updating this page. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts located in North Carolina.
Questions About This Policy?
If you have any questions or concerns regarding this terms and conditions, please contact us: