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Terms of Use

Effective Date: April 26, 2026

Welcome to jjohnstoninsurance.com (the “Site”), operated by J Johnston Insurance Services, Inc. (“J Johnston Insurance,” “we,” “us,” or “our”). By accessing or using this Site, you agree to these Terms of Use. If you do not agree, do not use the Site.

1. Company Information

J Johnston Insurance Services, Inc.
10900 Los Alamitos Blvd., Suite 217
Los Alamitos, CA 90720
Phone: (562) 795-9201
Phone: (562) 795-9121
California License No. OF4479

2. Use of This Site

You may use this Site only for lawful purposes and in accordance with these Terms of Use.

You agree not to:

  • use the Site in any way that violates applicable law or regulation
  • attempt to gain unauthorized access to any part of the Site, server, or connected systems
  • interfere with the Site’s operation, security, or performance
  • use bots, scrapers, or automated tools to extract content or data without our written permission
  • submit false, misleading, or fraudulent information through forms or quote requests
  • impersonate any person or entity

3. Informational Purposes Only

The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes legal, financial, medical, tax, or other professional advice.

Insurance coverage, eligibility, premiums, policy terms, conditions, exclusions, and availability vary by applicant, carrier, underwriting review, and state requirements. Information on this Site does not guarantee coverage, rates, policy issuance, or claim approval.

4. No Offer or Binder of Insurance

Use of this Site, including submitting a contact form, requesting a quote, sending an email, or speaking with our office through information obtained from the Site, does not by itself:

  • create an agent-client relationship beyond an initial inquiry
  • bind insurance coverage
  • amend, replace, renew, or cancel a policy
  • guarantee that coverage is in force
  • constitute confirmation of a claim submission

Coverage is not effective unless and until confirmed by an authorized representative of J Johnston Insurance and, where applicable, the insurance carrier.

5. Quote Requests and Communications

This Site includes access to insurance information and quote request paths for products such as auto, home, life, health, and business insurance.

When you submit information through the Site, you agree that:

  • the information you provide is accurate and complete to the best of your knowledge
  • we may contact you by phone, email, or other reasonable means to respond to your request
  • quote information is preliminary unless and until confirmed by us and/or the issuing carrier
  • additional documentation or information may be required before any policy can be issued

6. No Guarantee of Website Availability or Accuracy

We try to keep the Site accurate and up to date, but we do not guarantee that:

  • the Site will always be available, uninterrupted, secure, or error-free
  • the content is complete, current, or free from inaccuracies
  • defects will always be corrected immediately

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.

7. Intellectual Property

All content on this Site, including text, graphics, logos, icons, images, layout, design, and other materials, is owned by J Johnston Insurance or used with permission and is protected by applicable intellectual property laws.

You may view, download, or print limited portions of the Site for personal, non-commercial use only. You may not copy, reproduce, republish, upload, distribute, modify, or create derivative works from Site content without our prior written consent.

8. Third-Party Links and Services

This Site may contain links to third-party websites, platforms, social media pages, review platforms, embedded services, or carrier resources. For example, the site links to external social media and review-related resources.

We provide these links for convenience only. We do not control and are not responsible for the content, policies, security, or practices of any third-party website or service. Your use of third-party sites is at your own risk.

9. Privacy

Your use of this Site is also subject to our Privacy Policy. By using the Site, you acknowledge that you have reviewed our Privacy Policy.

10. User Submissions

Any information you submit through the Site must be truthful, lawful, and not infringe the rights of others.

You agree not to submit:

  • false or misleading personal or insurance information
  • defamatory, abusive, obscene, or unlawful content
  • malicious code, files, or harmful data
  • content that infringes intellectual property or privacy rights

We reserve the right, but not the obligation, to remove or disregard submissions that violate these Terms.

11. Disclaimer of Warranties

To the fullest extent permitted by law, this Site and all content, features, and services made available through it are provided on an “as is” and “as available” basis.

J Johnston Insurance disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, and accuracy.

12. Limitation of Liability

To the fullest extent permitted by law, J Johnston Insurance and its officers, directors, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to:

  • your use of or inability to use the Site
  • reliance on Site content
  • errors or omissions in Site content
  • interruptions, delays, viruses, or security issues
  • third-party websites or services linked from the Site

If liability is imposed despite the foregoing, our total liability arising out of or related to the Site will be limited to the fullest extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless J Johnston Insurance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

  • your violation of these Terms
  • your misuse of the Site
  • your infringement of any right of another person or entity
  • any false or misleading information you submit through the Site

14. Accessibility

We strive to make our Site accessible and usable for all visitors. If you experience difficulty accessing any content or functionality on this Site, please contact us so we can work to address the issue.

15. Geographic Scope

This Site is intended for users located in the United States. Insurance products and services may not be available in all states, and availability may vary based on licensing, carrier approvals, and applicable law.

16. Changes to These Terms

We may update these Terms of Use at any time. When we do, we will post the updated version on this page and revise the Effective Date above. Your continued use of the Site after changes are posted means you accept the revised Terms.

17. Governing Law

These Terms of Use are governed by the laws of the State of California, without regard to conflict of law principles, except to the extent superseded by applicable federal law.

18. Contact Us

If you have questions about these Terms of Use, please contact:

J Johnston Insurance Services, Inc.
10900 Los Alamitos Blvd., Suite 217
Los Alamitos, CA 90720
Phone: (562) 795-9201
Phone: (562) 795-9121