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Terms & Conditions
Effective Date: June 12, 2026
These Terms & Conditions govern your use of the Foray Insurance Group LLC website, online forms, communications, and related services. By using this website or submitting information to Foray Insurance Group LLC, you agree to these Terms & Conditions.
Foray Insurance Group LLC is an independent insurance agency based in Illinois.
Website Use
Website Use
Purpose of This Website
The information on this website is provided for general informational purposes only. It is not intended to be legal, tax, financial, or professional advice.
Your Responsibilities
You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation, security, or accessibility of the website.
Agency Structure
Independent Insurance Agency
Foray Insurance Group LLC is an independent insurance agency. We may work with multiple insurance carriers, wholesalers, brokers, or specialty markets to help clients evaluate available insurance options.
Multiple Carriers
We work with multiple insurance carriers, wholesalers, brokers, and specialty markets to find the right fit for you.
Evaluating Options
Our role is to help clients evaluate available insurance options across a broad range of markets and coverage types.
Carrier Decisions
Carrier availability, coverage options, eligibility, pricing, and underwriting decisions are determined by the applicable insurance carrier or market.
Coverage
No Guarantee of Coverage
When Coverage Becomes Effective
Insurance coverage is not effective unless and until it is confirmed in writing by Foray Insurance Group LLC or the applicable insurance carrier, all underwriting requirements are satisfied, and any required premium is received.
Important Warning
Do not cancel, change, or replace existing insurance coverage until you have received written confirmation that replacement coverage is active.
Your Obligations
Accuracy of Information
You are responsible for providing accurate, complete, and current information when requesting a quote, policy review, or insurance service.
Quote Accuracy
Incorrect or incomplete information may affect the accuracy of any quote or proposal provided.
Underwriting Decisions
Outdated or inaccurate data can impact underwriting decisions and premium calculations.
Coverage Availability
Information quality directly affects coverage availability and overall policy eligibility.
Claims Handling
Inaccurate information may also affect how claims are handled under your policy.
Proposals
Quotes and Proposals
What a Quote Represents
Any quote, proposal, estimate, or coverage summary provided by Foray Insurance Group LLC is based on information available at the time it is prepared and is subject to:
  • Carrier underwriting and eligibility
  • Inspections and policy terms
  • Conditions, exclusions, and final approval
What Controls Coverage
Policy language and carrier documents control the actual terms of coverage. A quote or proposal is not a binding contract and does not guarantee coverage.
Communication
Communication Consent
By submitting your contact information, you authorize Foray Insurance Group LLC to contact you regarding your inquiry, quote request, policy service, appointment scheduling, and related insurance matters.
Phone
Email
Text Message
Other Methods
We will use the communication methods you provide to reach you about your insurance needs.
Text Messaging
Text Message Terms
By providing your mobile phone number and opting in to receive text messages from Foray Insurance Group LLC, you agree to receive recurring text messages related to your insurance inquiry, quote request, appointment reminders, policy service, account updates, and related follow-up communications.
Message Frequency
Message frequency may vary. Message and data rates may apply depending on your carrier plan.
Opt Out Anytime
Reply STOP at any time to unsubscribe. You may receive one final confirmation message after opting out.
Need Help?
Reply HELP for assistance or contact us directly through our website or email.
Email
Email Communications
What We May Send
  • Inquiry and quote request responses
  • Policy service communications
  • Educational resources and newsletters
  • Insurance updates and announcements
Your Choices
You may unsubscribe from marketing emails at any time by using the unsubscribe link included in our emails or by contacting us directly.
We may still send transactional or service-related emails related to your inquiry, quote, policy, or account even after unsubscribing from marketing communications.
External Links
Third-Party Links and Services
This website may link to third-party websites, forms, platforms, carriers, or service providers.
No Responsibility for Third Parties
Foray Insurance Group LLC is not responsible for the content, privacy practices, terms, security, or availability of third-party websites or services.
Third-Party Terms Apply
Your use of third-party websites or platforms is subject to their own terms and policies. Please review those terms before using any linked service.
Ownership
Intellectual Property
What We Own
The content on this website — including text, graphics, logos, images, layouts, and design elements — is owned by or licensed to Foray Insurance Group LLC unless otherwise stated.
What You May Not Do
You may not copy, reproduce, distribute, modify, or use website content for commercial purposes without written permission from Foray Insurance Group LLC.
Liability
Limitation of Liability
Foray Insurance Group LLC makes reasonable efforts to provide accurate and helpful information, but we do not warrant that this website will be error-free, uninterrupted, or free of harmful components.
Use of This Website
Damages arising from your use of or inability to access this website are excluded from our liability.
Reliance on Information
We are not liable for decisions made based on information found on this website.
Third-Party Sites
We are not liable for damages arising from your use of third-party websites linked from this site.
Advisory Disclaimer
No Attorney-Client, Tax, or Financial Advisory Relationship
Use of this website or communication with Foray Insurance Group LLC does not create an attorney-client, tax advisor, financial advisor, or similar professional advisory relationship.
Legal Advice
For legal questions or concerns, consult a licensed attorney in your jurisdiction.
Tax Advice
For tax-related matters, consult a licensed CPA or tax professional.
Financial Advice
For investment or financial planning, consult a licensed financial advisor.
Privacy
Privacy
Governed by Our Privacy Policy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
Why It Matters
We are committed to protecting your personal information. Our Privacy Policy outlines the specific practices we follow to keep your data safe and to be transparent about how it is used.
Updates
Changes to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our services, legal requirements, or business practices. Any changes will be posted on this page with a revised effective date. We encourage you to review these Terms periodically to stay informed.
Get in Touch
Contact Us
For questions about these Terms & Conditions, please reach out to us using any of the methods below.
Foray Insurance Group LLC
Illinois Independent Insurance Agency
Phone
(630) 291-1037
Foray Insurance Group LLC
Independent Insurance Agency
Illinois
Quick Links
Foray Insurance Group LLC is an independent insurance agency. Insurance products are subject to carrier availability, underwriting approval, policy terms, conditions, and exclusions.