Legal & Compliance
Terms of Use
effective date June 26, 2026
Welcome to davidcompanyins.com. These Terms of Use set out the agreement between you and David and Company Insurance Services LLC whenever you visit, browse, or interact with this website. By using the site you confirm that you have read and accept these Terms in full.
Acceptance of Terms
By visiting, browsing, or using davidcompanyins.com in any way, you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these Terms, please stop using the site.
Your continued use of the site after we publish any update constitutes acceptance of the revised version. The Effective Date shown at the top of this page reflects the most recent revision.
Who We Are
David and Company Insurance Services LLC is a locally owned independent insurance agency based in York, Pennsylvania. We hold Pennsylvania license number 1309780 and operate from 221 W. Philadelphia Street, Suite 305, York PA 17401.
The agency is independently owned by David Chiaverini, CIC, AAI, and represents multiple insurance carriers across commercial, personal, and specialty lines. We are licensed to transact insurance business in the Commonwealth of Pennsylvania, the State of Maryland, Ohio and South Carolina.
Permitted Use
You may use this site for lawful and personal purposes only. Permitted activities include the following.
- Reading about our agency, coverage options, and the carriers we represent
- Submitting a quote request through one of our forms
- Contacting our team by phone, email, or online enquiry
- Accessing publicly available client resources we have shared on the site
- Downloading documents we have made available for public reference
You agree to use the site in good faith and in a manner consistent with these Terms and any applicable law.
Prohibited Use
You agree not to use the site for any purpose that is unlawful or prohibited by these Terms. The following activities are not allowed.
- Scraping, harvesting, or copying any portion of the site by automated means, including bots, spiders, or data mining tools
- Attempting to gain unauthorised access to any restricted area, server, account, or database connected to the site
- Uploading, posting, or transmitting any virus, malware, ransomware, worm, or other harmful code
- Impersonating any person or entity, or falsely representing your affiliation with anyone
- Using the site to harass, defame, threaten, or defraud any individual or organisation
- Submitting a quote request or any other form with knowingly false, misleading, or fraudulent information
- Interfering with the proper functioning of the site or the security of its underlying infrastructure
- Probing, scanning, or testing the vulnerability of the site or any related network
We reserve the right to investigate any suspected violation and to pursue all available remedies, including reporting the activity to law enforcement.
No Insurance Advice Disclaimer
The content on this website is provided for general informational purposes only. Nothing on this site constitutes insurance advice, a recommendation regarding any specific policy, a binding quote, a contract of insurance, or an offer to insure. Coverage descriptions on the site are illustrative and simplified for clarity.
Actual policy terms, conditions, limits, exclusions, and premiums are determined solely by the insurance carrier and are set out only in the formally issued policy documents. No coverage is bound, extended, modified, or in force until a policy has been formally issued by a carrier and the required premium has been received.
You should not rely on website content as a substitute for a professional consultation with a licensed insurance agent. Insurance is a personal matter, and the right coverage depends on your specific circumstances, assets, exposures, and goals. We strongly encourage you to speak directly with a licensed member of our team before making any coverage decisions.
David and Company Insurance Services LLC is licensed to transact insurance business in the Commonwealth of Pennsylvania and the State of Maryland. We cannot offer coverage, quotes, or advice in any jurisdiction where we are not licensed.
Quote Requests Are Not Binding Coverage
Submitting a quote request through this website, by email, or by phone does not bind coverage. A quote request opens a conversation. It does not create an insurance policy, guarantee that coverage will be offered, or extend any coverage on a temporary or interim basis.
Any quote we share is an estimate based on the information you provide and is subject to underwriting review by the carrier. The carrier may decline to offer coverage, request further information, adjust pricing, apply exclusions, or impose conditions.
Coverage becomes effective only when a policy is formally issued by the carrier and the required premium has been received. Verbal indications, written quote summaries, and online quote outputs are not policies and must never be treated as proof of coverage. If you need proof of insurance, please contact our office and request a certificate or declarations page from a bound policy.
Intellectual Property
All content on this website, including but not limited to text, graphics, photographs, the David and Company name and logo, the gold key motif design, illustrations, icons, layouts, and software, is owned by or licensed to David and Company Insurance Services LLC. This material is protected by copyright, trademark, and other intellectual property laws.
You may view, print, or download single copies of site content for your personal and non commercial reference. You may not reproduce, distribute, modify, republish, sell, license, or create derivative works from any portion of the site without our prior written permission.
Use of our name, logo, or branding in any commercial or promotional context requires written authorisation from the agency.
Third Party Links
This site may contain links to websites operated by insurance carriers, industry organisations, or other independent third parties. These links are provided for convenience only.
We do not own, control, monitor, or endorse the content, products, services, privacy practices, or security of any third party site. Once you click through to a third party site, your interaction with that site is governed by its own terms and privacy policy. We are not responsible for any loss, damage, or harm that may arise from your use of any third party site reached through a link on davidcompanyins.com.
SMS Communications
David & Company Insurance Services LLC offers text messaging as a convenient way to stay in touch with clients and prospective clients. By providing your mobile number and consenting to receive text messages from us, you agree to the terms in this section.
Program Description
Our SMS program supports client service and agency communications. We use text messaging to keep you informed about your policies, respond to your requests, and coordinate with you efficiently.
Types of Messages You May Receive
Once you opt in, you may receive messages such as:
- Follow up messages on quotes and coverage
- Appointment confirmations and reminders
- Policy renewal notices
- Claim status updates and next steps
- Requests for documents or information needed to service your policy
- General account notifications
- Replies to messages you send us
We do not send marketing or promotional text messages.
Message Frequency
Message frequency varies. You will only receive texts tied to your interactions with our agency and the status of your policies or requests.
Message and Data Rates
Message and data rates may apply. Check with your mobile carrier for details. We do not charge you for messages, but your carrier’s standard rates apply to every message sent and received.
Consent
You may enroll in our SMS program by:
- Providing verbal consent to our staff
- Sending an SMS to a firm telephone number
- Checking the text box on the paper-based client intake form
- Replying to an initial confirmation message
By opting in, you authorize David & Company Insurance Services to send text messages to the mobile telephone number you provided for the purposes described above. You are not required to consent to text messaging as a condition of purchasing any product or service from us.
Opt-Out Instructions
You may opt out of receiving SMS messages at any time. To stop receiving messages, reply STOP to any message.
Disclaimer of Warranties
This website is provided on an as is and as available basis. To the fullest extent permitted by applicable law, David and Company Insurance Services LLC disclaims all warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, title, non infringement, and any warranty arising from course of dealing or usage of trade.
We make no warranty that the site will be uninterrupted, error free, secure, or free of viruses or other harmful components. We make no representation regarding the accuracy, completeness, timeliness, or reliability of any content on the site. Any reliance you place on site content is at your own risk.
Limitation of Liability
To the fullest extent permitted by Pennsylvania law, David and Company Insurance Services LLC, together with its owner, employees, agents, and contractors, shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of or inability to use this website, even if we have been advised of the possibility of such damages. This includes damages for loss of profits, loss of business, loss of data, loss of goodwill, or any other intangible loss.
In jurisdictions that do not permit certain limitations of liability, our total aggregate liability for any claim arising out of or related to the site shall not exceed one hundred United States dollars.
Indemnification
You agree to indemnify, defend, and hold harmless David and Company Insurance Services LLC, together with its owner, employees, agents, and contractors, from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or related to your misuse of the site, your violation of these Terms, your violation of any law, your violation of the rights of any third party, or any false or misleading information you submit through the site.
Governing Law and Jurisdiction
These Terms and your use of this site are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law principles.
You agree that any dispute, claim, or controversy arising out of or relating to these Terms or the site shall be brought exclusively in the state or federal courts located in York County, Pennsylvania. You consent to the personal jurisdiction of those courts and waive any objection based on inconvenient forum.
Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed or limited to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
Changes to These Terms
We may revise these Terms from time to time at our sole discretion. When we do, we will update the Effective Date shown at the top of this page. The version of these Terms in effect at the time you use the site governs your use.
We encourage you to review this page periodically. Your continued use of the site after any revision constitutes acceptance of the updated Terms.
Contact Us
If you have any questions about these Terms, or you would like to talk through anything you have read on the site, you can reach us directly.
221 W. Philadelphia Street, Suite 305
York, PA 17401
(717) 549 9820
agent@davidcompanyins.com
your privacy matters
Let's Talk. You'll be talking to a human.
Quote, question, or coverage review. Whatever it is, the conversation starts here and stays with a real person. Tell us what you’re looking at, and we’ll take it from there.