1. Introduction

Welcome to the Sean Cohen Agency website (“Website”). By accessing or using this Website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this Website.

Sean Cohen Agency (“Agency,” “we,” “us,” or “our”) is an authorized agent of Allstate and operates in Bayside, New York.

2. Agency & Licensing Disclosure

Sean Cohen Agency is a licensed insurance agency operating in the State of New York.

License Number: [INSERT NY LICENSE #]

The Agency is an authorized representative of Allstate but operates as an independent contractor.

3. No Guarantee of Quotes or Coverage

All quotes provided:

Are estimates only

Subject to underwriting approval

May change based on additional information

Coverage is NOT bound unless confirmed in writing by the Agency or Allstate.

4. No Binding / No Reliance

Use of this Website does not:

Bind insurance coverage

Modify existing policies

Serve as official notice of claims

Information on this Website is for informational purposes only and does not constitute professional, legal, or financial advice.

5. Claims Disclaimer

Do NOT use this Website to report claims or urgent or time-sensitive issues.

For claims or immediate assistance, contact Allstate directly through official channels.

6. Carrier Relationship & Trademarks

Insurance policies are issued by Allstate or its affiliated carriers

All underwriting decisions are made solely by the carrier

“Allstate” and related marks are registered trademarks of Allstate Insurance Company

Use of carrier branding is for identification purposes only and does not imply ownership by the Agency.

7. Limitation of Liability

To the fullest extent permitted by law, Sean Cohen Agency shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

Use of or inability to use this Website

Reliance on quotes, information, or content

Delays, errors, or technical issues

All information is provided “as is” without warranties of any kind.

8. Electronic Communications (E-SIGN Consent)

By using this Website or submitting your information, you consent to receive communications electronically, including:

Emails

SMS/text messages

Digital disclosures and documents

You have the right to withdraw your consent at any time by contacting us. Withdrawal of consent may impact our ability to provide certain services.

9. User Responsibilities

By using this Website, you agree to:

Provide accurate and complete information

Use the Website only for lawful purposes

Not attempt to misuse, disrupt, or gain unauthorized access to systems

We reserve the right to restrict or terminate access for violations of these Terms.

10. Governing Law

These Terms & Conditions are governed by the laws of the State of New York and applicable federal laws.

Any disputes shall be resolved in courts located within New York.

11. Updates to These Terms

We reserve the right to update or modify these Terms at any time without prior notice.

Your continued use of the Website constitutes acceptance of any changes.