Terms of Service

Last Updated: January 30, 2026

Welcome to Johal Insurance Brokers Inc. By accessing or using our website, you agree to comply with and be bound by the following Terms of Service. If you do not agree to these terms, please do not use our site.

1. Nature of Services

Johal Insurance Brokers Inc. is a licensed insurance brokerage. This website provides information about commercial insurance products and allows users to request coverage audits and quotes.

2. No Guarantee of Coverage

Submission of a quote request or contact form through this website does not constitute a "binder" of insurance. Coverage is not effective until you receive written confirmation and a policy number from a licensed agent of Johal Insurance Brokers Inc..

3. SMS & Mobile Messaging Terms

By providing your phone number and opting in, you consent to receive recurring automated marketing text messages from us.

• Frequency: Message frequency varies based on your interactions with us.

• Rates: Standard message and data rates may apply.

• Opt-Out: You may reply STOP at any time to cancel your subscription.

• Help: Reply HELP for assistance or contact us at service@johalinsurancebrokers.com.

4. Accuracy of Information

While we strive for accuracy, the insurance premium formulas and market data provided on this site are for informational purposes only. Actual premiums are determined by the insurance carriers based on their specific underwriting criteria.

5. Professional Advice Disclaimer

The content on this website is not intended to be professional legal or tax advice. We strongly recommend a technical audit of your specific policy documents by one of our licensed brokers before making changes to your coverage.

6. Limitation of Liability

To the maximum extent permitted by law, Johal Insurance Brokers Inc. shall not be liable for any direct, indirect, or consequential damages arising out of your use of this website or reliance on any information provided herein.

7. Contact Information

If you have any questions about these Terms, please contact us at: Johal Insurance Brokers Inc. Email: service@johalinsurancebrokers.com Phone: (805) 380-5564