Effective Date: May 7, 2026
Last Updated: May 7, 2026

These Terms of Use (“Terms”) govern your access to and use of the website operated by Capital Point Insurance (“Capital Point,” “we,” “us,” or “our”) at www.capitalpointins.com (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

For information about how we collect and use your personal information, please review our Privacy Policy.

Who We Are

Capital Point Insurance is an independent insurance agency licensed in Washington, D.C., Maryland, and Virginia. We represent multiple insurance carriers and assist clients with personal and business insurance coverage. We are not an underwriter and do not issue insurance policies directly; policies are issued by the carriers we represent.

Information on the Site Is Not a Quote or Contract

The information on this Site is provided for general informational purposes only. Coverage descriptions, premium examples, and product information are summaries and do not constitute an offer of insurance, a binding quote, or a contract. Actual coverage, premiums, and policy terms are determined by the issuing insurance carrier based on a complete application, underwriting review, and the actual policy contract issued.

Insurance availability, terms, and pricing vary by state, carrier, and individual circumstances. To obtain a binding quote or place coverage, please contact us directly at 301.468.9600 or info@capitalpointins.com.

Use of the Site

You may access and use the Site for personal, non-commercial purposes consistent with these Terms. You agree not to:

  • Use the Site in any unlawful manner or for any unlawful purpose
  • Use the Site in any way that could damage, disable, overburden, or impair the Site or interfere with any other party’s use of the Site
  • Attempt to gain unauthorized access to any portion of the Site, related systems, or networks
  • Use any robot, spider, scraper, or other automated means to access the Site or extract data, except for legitimate search-engine indexing
  • Reverse-engineer, decompile, or disassemble any portion of the Site
  • Use the Site to transmit viruses, malware, or other harmful code
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity
  • Submit false, misleading, or fraudulent information when requesting quotes or contacting us

Violation of these usage rules will result in termination of your right to use the Site and may result in civil or criminal liability.

Intellectual Property

All content on the Site, including text, graphics, logos, images, photographs, audio, video, design elements, software, and the selection and arrangement thereof, is owned by Capital Point Insurance or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Limited license. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You may print or save copies of pages for your personal reference.

Restrictions. Without our prior written permission, you may not:

  • Copy, modify, distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from any Site content
  • Sell, rent, lease, or otherwise commercially exploit Site content
  • Frame the Site or any portion of it within another website
  • Remove or alter any copyright, trademark, or other proprietary notice
  • Use Capital Point Insurance trademarks, logos, or trade names without written permission

Links to Third-Party Sites

The Site may include links to websites operated by third parties (such as carrier sites, payment processors, and informational resources). We provide these links for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or services of any third-party site. Your use of any third-party site is at your own risk and subject to that site’s own terms and privacy policy.

Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, PRODUCTS, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL POINT INSURANCE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL POINT INSURANCE, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE — INCLUDING DAMAGES FOR LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability for fraud, gross negligence, or willful misconduct.

Indemnification

You agree to indemnify and hold harmless Capital Point Insurance, its affiliates, officers, employees, agents, and licensors from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorney’s fees) arising out of your violation of these Terms, your misuse of the Site, or your violation of any law or third-party right.

Insurance Licensing

Capital Point Insurance is a licensed insurance producer. License numbers are maintained on file and available on request. We are licensed in:

  • Washington, D.C. — License #[DC license number]
  • Maryland — License #[MD license number]
  • Virginia — License #[VA license number]

To verify our licensure, contact your state’s department of insurance.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Maryland, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Montgomery County, Maryland, and you consent to the personal jurisdiction of those courts.

Disputes related to insurance policies placed by Capital Point Insurance are governed by the policy contract issued by the underwriting carrier and the laws of the state of residence of the named insured.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after the effective date of any change constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Capital Point Insurance regarding your use of the Site. They supersede any prior agreements between you and us regarding the Site.

Contact Us

For questions about these Terms, contact us:

Capital Point Insurance
10220 River Rd #207
Potomac, MD 20854
Phone: 301.468.9600
Email: info@capitalpointins.com