These Terms and Insurance Disclosures govern access to and use of the 1225 Unified website. By using the site, you acknowledge these terms. If you do not agree, do not submit information or rely on the website for an insurance decision.
These terms apply only to website use. Separate applications, proposals, binders, policies, finance agreements, service agreements, engagement letters, and carrier documents may impose additional or controlling terms.
Acceptance and authority
You represent that you are legally able to use the website and, when providing information for a church or ministry, that you are authorized to communicate concerning that organization’s insurance request. You agree to provide information that is accurate and not misleading to the best of your knowledge.
Organizational roles
1225 Unified is the church insurance division of Heritage Insures and is managed by J W Odom & Associates, LLC. 1225 Unified is not an insurance company and does not underwrite or issue insurance policies.
Insurance transactions are handled through appropriately licensed insurance professionals. Insurance carriers, wholesalers, program administrators, premium finance companies, and other third parties remain responsible for their respective products, decisions, agreements, and services.
The partnership with the National Baptist Convention of America, Inc. International does not make the Convention an insurer, insurance producer, underwriter, guarantor, or party to an insurance policy unless separately stated in a written agreement.
Educational information; no professional advice
Website descriptions, resources, checklists, examples, FAQs, and coverage summaries are general educational information. They are not legal, tax, accounting, engineering, construction, safety, valuation, claims, or risk-management certification advice. Consult qualified professionals for advice concerning a specific situation.
No website statement changes the terms of an issued insurance policy. The policy and its endorsements control coverage.
Insurance availability and licensing
Coverage, carrier access, limits, deductibles, payment options, and services vary by state, risk, property, operations, loss history, underwriting appetite, licensing, and other factors. Nothing on this website is an offer to sell insurance where doing so would be unlawful or where the applicable professional is not authorized.
Listing a type of insurance does not mean it is available, recommended, quoted, or included for a particular church.
Quotations, proposals, and binding
A website request, application, RFP, email, document submission, indication, quotation, proposal, invoice, signature, or payment does not by itself create or bind insurance coverage. A quote may be revised, conditioned, withdrawn, or expire.
Coverage becomes effective only when all requirements are satisfied and binding is confirmed by an authorized party for the stated effective date. Never assume coverage exists without written confirmation.
Website forms, email, and documents
Preliminary website forms transmit the information entered to our church insurance team. A confirmation displayed by the website indicates that the server accepted the submission, but does not guarantee review, response, action, or the availability of insurance coverage.
Do not send highly sensitive information or insurance documents through a public form or ordinary email unless specifically instructed. Submitting information does not guarantee that a market will review the risk or offer terms.
You are responsible for promptly correcting inaccurate information and reporting material changes.
Claims and urgent matters
This website is not an emergency service and is not a substitute for the claims-reporting requirements in a policy. Do not rely solely on a website form or general email to report a claim, circumstance, lawsuit, complaint, cancellation notice, nonrenewal, or other time-sensitive matter.
Use the carrier’s stated reporting method or contact the servicing insurance professional promptly. Failure to comply with policy conditions or deadlines may affect rights or coverage.
Premium financing
Imperial PFS (IPFS) is identified as a premium-financing partner. Any financing is governed by a separate agreement and is subject to eligibility, approval, disclosed finance charges, fees, down payment, payment schedule, default provisions, and cancellation rights.
Financing is not insurance, and financing approval does not bind coverage. IPFS is responsible for its finance products, platform, decisions, and agreements.
Third-party services and links
The website may link to insurers, finance providers, resources, and other third parties. Links are provided for convenience and do not make 1225 Unified responsible for third-party content, availability, security, accessibility, privacy practices, products, or services.
Website content and permitted use
Website design, text, graphics, branding, and original resources are protected by applicable intellectual-property laws. You may view and use the site for legitimate church insurance and informational purposes. You may not copy, republish, scrape, misrepresent, interfere with, reverse engineer, introduce malicious code into, or use the site unlawfully.
Third-party names and marks belong to their respective owners.
Website disclaimers and limitation
The website is provided on an “as available” basis. To the extent permitted by law, no warranty is made that the site will be uninterrupted, error-free, secure, complete, current, or suitable for a particular purpose.
To the extent permitted by applicable law, 1225 Unified, Heritage Insures, J W Odom & Associates, LLC, and their respective personnel will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from website use, inability to use the site, reliance on general website information, or failed electronic transmission. Nothing here limits liability that cannot lawfully be limited.
Changes, severability, and governing law
These terms may be updated as website functions, services, or legal requirements change. Continued use after publication of updated terms constitutes acknowledgement of the revised terms.
If a provision is found unenforceable, the remaining provisions remain effective to the extent permitted by law. Except where controlling law requires otherwise, these website terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles.
Questions may be sent to broker@1225unified.com.