Terms And Conditions

Last Updated: 9/17/26

Welcome to Afton Insurance Group LLC DBA Blue Moon Insurance ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of bluemooninsuranceagency.com (the "Site") and the insurance-related services we offer, including personal, commercial, and life insurance products presented, quoted, or sold virtually to residents of South Carolina and any other states in which we are licensed ("Services"). By accessing the Site or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or Services.

1. Who We Are / Licensing

Afton Insurance Group LLC is a licensed insurance agency/agent operating in the State of South Carolina under license number 18989769, regulated by the South Carolina Department of Insurance. We may also hold licenses in other states as noted on our Site or upon request. Our role is to act as an [independent agent/broker/producer] representing [one/multiple] insurance carriers; we are not an insurance carrier ourselves unless otherwise stated. Agency and/or producer license numbers, and the states in which we are authorized to transact insurance business, are available upon request or as posted on the Site.

2. Eligibility

You must be at least 18 years old and capable of entering into a legally binding contract to use our Services. By using the Site, you represent that you meet these requirements and that all information you provide is accurate and complete.

3. Nature of Quotes and Information Provided
  • Any quotes, estimates, rates, or coverage summaries provided through the Site, by email, phone, or virtual consultation are estimates only and are not a guarantee of coverage, price, or policy issuance.
  • No insurance coverage is bound, altered, or cancelled until you receive written confirmation from us or the applicable carrier. Submitting an application or making a payment does not automatically create coverage.
  • Final premiums, terms, and eligibility are subject to underwriting review and approval by the insurance carrier.
  • Information on the Site is for general informational purposes and does not constitute insurance, legal, financial, or tax advice. Please review your actual policy documents, which control in the event of any conflict with information on this Site.
4. Virtual Transactions and Electronic Signatures

Because our Services are offered virtually, you agree that:

  • We may communicate with you electronically (email, text/SMS, phone, video call, or e-signature platforms) regarding quotes, applications, policy documents, and account matters.
  • Your electronic signature or affirmative online action (e.g., clicking "I agree" or "submit") is legally binding to the same extent as a handwritten signature, consistent with the South Carolina Uniform Electronic Transactions Act and the federal E-SIGN Act.
  • You are responsible for providing accurate contact information and for reviewing all documents sent to you electronically.
5. Communications Consent (Calls, Texts, Email)

By providing your phone number or email address, you consent to be contacted by us or our representatives regarding quotes, policy servicing, and account information via phone (including autodialed or prerecorded calls where permitted), text message, and email, in accordance with the Telephone Consumer Protection Act (TCPA) and applicable state law. Message and data rates may apply. You may opt out of marketing communications at any time by following the unsubscribe instructions provided or contacting us directly; opting out of marketing does not waive consent needed for servicing an active policy.

6. Accuracy of Your Information

You are solely responsible for the accuracy, completeness, and truthfulness of all information you submit to us, including application details, risk information, and eligibility criteria. Misrepresentation or omission of material facts may result in denial of a claim, policy rescission, or cancellation by the carrier, and we are not liable for such consequences.

7. No Guarantee of Coverage or Claims Outcomes

We do not guarantee that any application will be approved, that any claim will be paid, or that coverage will meet your specific needs. Coverage decisions, claims handling, and payment are made solely by the applicable insurance carrier under the terms of the issued policy.

8. Third-Party Carriers and Links

The Site may reference or link to third-party insurance carriers, comparison tools, or other third-party services. We do not control and are not responsible for the content, accuracy, availability, or practices of third-party sites. Your interactions with those carriers or third parties are governed by their own terms and policies.

9. Intellectual Property

All content on the Site — including text, graphics, logos, and software — is owned by or licensed to Afton Insurance Group LLC DBA Blue Moon Insurance and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from Site content without our prior written consent.

10. Prohibited Uses

You agree not to:

  • Use the Site for any unlawful purpose or in violation of these Terms;
  • Submit false, fraudulent, or misleading information;
  • Attempt to interfere with, disrupt, or gain unauthorized access to the Site or our systems;
  • Use automated tools (bots, scrapers) to access the Site without our permission.
11. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you consent to the practices described there.

12. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, AFTON INSURANCE GROUP LLC DBA BLUE MOON INSURANCE, ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO LOSS OF COVERAGE, DENIED CLAIMS, OR BUSINESS INTERRUPTION, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED THE AMOUNT, IF ANY, YOU PAID DIRECTLY TO US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.
(Note: Liability related to actual insurance policy performance rests with the issuing carrier, not the agency.)

14. Indemnification

You agree to indemnify and hold harmless Afton Insurance Group LLC DBA Blue Moon Insurance and its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, or submission of false or misleading information.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Services shall be resolved in the state or federal courts located in South Carolina, and you consent to personal jurisdiction and venue there.

16. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. Contact Us

If you have questions about these Terms, please contact us at:
Afton Insurance Group LLC DBA Blue Moon Insurance
3003 Dunes West Blvd, Suite 1, Mount Pleasant, SC 29466
843-737-6633
joe@bluemooninsuranceagency.com
SC License # 18989769