Helm6 Insurance Services LLC

Effective Date: September 24, 2026

Website: www.helm6insures.com

1. Introduction and Acceptance of Terms

Welcome to the website of Helm6 Insurance Services LLC (“Helm6,” “we,” “our,” or “us”).

These Terms of Use govern access to and use of the Helm6 website, including its Practice Areas, Learning Center, Insights, Resources, Contact pages, and all other information, materials, and services made available through this website (collectively, the “Website”).

By accessing or using this Website, you acknowledge these Terms of Use and agree to comply with them. If you do not agree with these Terms, please discontinue use of the Website.

These Terms apply to general website use. They do not replace or modify any separate written agreement between Helm6 and a client concerning insurance brokerage, advisory services, compensation, or other professional services.

Helm6 reserves the right to modify these Terms of Use from time to time. Revised Terms will be posted on this Website with an updated effective date.

2. General Educational Information — Not Individualized Insurance Advice

The information presented on this Website is intended to provide general educational information concerning property insurance, risk management, insurance markets, underwriting practices, and related subjects.

Although Helm6 is a professional insurance advisory business, information published on this Website is not intended to constitute individualized insurance advice or recommendations concerning any particular property, insurance policy, insured, or insurance program.

The information should not be relied upon as a substitute for a professional evaluation of a property owner’s particular circumstances, insurance needs, existing coverage, or available insurance alternatives.

Property owners should consult appropriately qualified insurance professionals before making decisions concerning the purchase, renewal, cancellation, reduction, or modification of insurance coverage.

Information concerning legal, tax, engineering, construction, property valuation, financial planning, or other specialized matters is provided solely for general educational purposes and should be reviewed with appropriately qualified professionals.

Helm6 does not provide legal, tax, engineering, construction, or appraisal services through this Website.

3. Insurance Coverage, Availability, and Policy Limitations

Insurance coverage, eligibility, availability, limits, deductibles, exclusions, premiums, and underwriting requirements vary among insurers and individual risks and are subject to change.

Descriptions of insurance products, coverage alternatives, policy provisions, underwriting practices, and insurance markets contained on this Website are general in nature.

Such descriptions do not constitute a representation, warranty, or guarantee that any particular insurance product, coverage provision, insurance limit, premium, or policy form is available or appropriate for a specific property or insured.

All insurance coverage is governed by the actual terms, conditions, limitations, endorsements, and exclusions of the applicable insurance policy, together with governing law.

Information appearing on this Website does not amend, extend, replace, or otherwise modify any insurance contract.

References to particular insurance companies, programs, or coverage alternatives do not constitute a guarantee of insurer acceptance, quotation, coverage availability, or placement.

Insurance coverage is subject to applicable underwriting requirements, insurer authorization, and confirmation that coverage has been properly bound.

4. No Insurance Coverage Bound Through Website Use

Accessing this Website, completing an online contact form, submitting an inquiry, requesting a quotation, or communicating electronically with Helm6 does not, by itself, constitute an application accepted by an insurer or establish, bind, renew, extend, amend, or reinstate insurance coverage.

No insurance coverage may be considered effective solely because a visitor has submitted information or requested coverage through this Website.

Coverage becomes effective only when properly authorized and bound by an insurer or its authorized representative, with confirmation of the applicable coverage and effective date.

Visitors and clients should not assume that a request to obtain, modify, renew, or cancel insurance coverage has been completed until they receive appropriate confirmation from Helm6 or another authorized insurance representative.

Do not cancel, reduce, or allow existing insurance coverage to expire in anticipation of replacement coverage without first obtaining confirmation that the replacement coverage has been properly bound and is effective.

Requests requiring immediate action, including requests to bind or modify coverage, should be communicated directly to Helm6 and should not be considered completed merely because an electronic message has been transmitted.

5. Insurance Advisory Relationships and Professional Responsibilities

Helm6 provides insurance brokerage and advisory services through appropriately licensed insurance professionals.

Accessing this Website, reviewing its educational materials, submitting a general inquiry, or requesting information does not, by itself, establish an insurance broker-client advisory relationship or create an obligation for Helm6 to review, monitor, renew, modify, or obtain insurance coverage on behalf of a visitor.

An insurance advisory relationship may arise through separate communications, agreements, or other circumstances recognized under applicable law.

The nature and scope of Helm6’s responsibilities to a particular client are determined by the applicable engagement, communications, agreements, professional undertakings, and governing law.

Nothing in these Terms of Use is intended to limit or eliminate any professional duty, contractual obligation, statutory responsibility, or other liability that cannot lawfully be excluded or limited.

6. Replacement-Cost Estimates and Property Valuations

The Website may contain discussions of property values, reconstruction costs, insurance-to-value considerations, construction-cost inflation, and replacement-cost estimates.

Any construction-cost figures, replacement-cost ranges, or valuation examples appearing on this Website are provided for general educational and illustrative purposes only.

Such information does not constitute an appraisal, certified construction estimate, insurance-to-value determination, or recommendation of a specific insurance limit for any particular property.

Actual reconstruction costs may vary substantially based upon location, building age, architectural characteristics, construction materials, building codes, labor availability, site conditions, contractor expenses, and other property-specific considerations.

Replacement-cost estimates prepared by insurers, third-party valuation services, contractors, or other professionals may differ from actual reconstruction costs.

Property owners should obtain appropriate professional guidance when determining insurance limits and should periodically review those limits to account for changes in reconstruction costs and property characteristics.

Helm6 does not warrant or guarantee that any generalized valuation information appearing on this Website will accurately reflect the cost of reconstructing a particular property following a covered loss.

7. California FAIR Plan, Difference in Conditions, and Surplus Lines Insurance

The Website may discuss the California FAIR Plan, Difference in Conditions (DIC) insurance, surplus lines insurance, admitted insurance markets, and alternative insurance placement strategies.

Such discussions are intended to provide general educational information concerning available insurance mechanisms and their potential advantages, limitations, and coverage considerations.

Eligibility for the California FAIR Plan, admitted insurance programs, surplus lines coverage, and other insurance alternatives is subject to applicable program requirements, insurer underwriting standards, regulatory requirements, and individual property characteristics.

The availability of an insurance alternative does not establish that the alternative provides coverage equivalent to an existing insurance policy.

FAIR Plan policies, DIC policies, admitted insurance policies, and surplus lines policies may differ materially in their coverage provisions, exclusions, deductibles, claims procedures, pricing, and other terms.

The availability of a DIC policy or other supplemental coverage should not be interpreted as a guarantee that all coverage limitations or exclusions under a FAIR Plan policy or another insurance contract have been eliminated.

Surplus lines insurers generally are not subject to the same regulatory requirements and policyholder protections applicable to California-admitted insurers. Coverage through nonadmitted insurers may not be protected by the California Insurance Guarantee Association.

Property owners should obtain individualized professional guidance concerning the terms, financial implications, and suitability of any proposed insurance arrangement.

Helm6 does not guarantee that any property currently insured through the California FAIR Plan will qualify for coverage in the admitted or surplus lines insurance markets.

8. Accuracy, Completeness, and Currency of Information

Helm6 endeavors to provide accurate, relevant, and useful information through this Website.

However, insurance markets, underwriting requirements, insurer participation, coverage availability, premiums, reconstruction costs, laws, regulations, and industry practices may change without notice.

Information that was accurate when published may subsequently become outdated or may not apply to a particular property, insurer, policy, or set of circumstances.

Helm6 makes no representation or warranty that all information appearing on this Website is complete, current, error-free, or applicable to every situation.

Visitors are encouraged to obtain current information and individualized professional guidance before making insurance purchasing, coverage, valuation, or risk-management decisions.

Helm6 reserves the right to modify, update, correct, or remove Website content at any time without prior notice.

9. Website Disclaimer and Limitation of Liability

The Website and its general educational materials are provided on an “as available” basis.

To the fullest extent permitted by applicable law, Helm6 disclaims warranties concerning the completeness, accuracy, currency, availability, or suitability of general educational information appearing on this Website.

Visitors acknowledge that insurance purchasing, property valuation, and risk-management decisions should be based upon their particular circumstances and appropriate professional guidance rather than solely upon general information obtained through this Website.

To the fullest extent permitted by applicable law, Helm6 disclaims liability arising solely from a visitor’s reliance upon general educational Website content without obtaining appropriate individualized professional guidance.

Helm6 does not guarantee uninterrupted access to the Website or that its operation will be free from technical errors, interruptions, or security vulnerabilities.

Nothing in these Terms is intended to exclude or limit liability for fraud, willful misconduct, violations of applicable law, or any professional duty or other liability that cannot lawfully be excluded or limited.

These limitations apply to general Website use and do not supersede Helm6’s obligations arising from an established professional relationship, a separate client agreement, or applicable law.

10. Third-Party Websites and External Resources

This Website may contain links to third-party websites, insurance company resources, government agencies, industry publications, and other external information sources.

These links are provided for informational convenience.

Unless expressly stated otherwise, Helm6 does not control, maintain, or endorse third-party websites and is not responsible for their content, accuracy, availability, security, or privacy practices.

Visitors should independently review the terms, privacy policies, and applicable disclosures of any third-party website they access.

References to third-party products, services, insurers, or organizations do not constitute a guarantee of their availability, suitability, performance, or financial condition.

11. Intellectual Property and Permitted Website Use

Unless otherwise indicated, the original text, graphics, design elements, logos, trademarks, educational materials, and other content appearing on this Website are owned by Helm6 or used with appropriate authorization.

Visitors may access, read, download, or print Website materials for personal, noncommercial informational purposes, provided that copyright notices and other proprietary notices are preserved.

Website materials may not be reproduced, republished, distributed, modified, or used for commercial purposes without prior written authorization from Helm6, except as otherwise permitted by applicable law.

The Helm6 name, logo, and associated branding may not be used in a manner that falsely suggests an affiliation with, sponsorship by, or endorsement from Helm6.

Visitors agree not to interfere with the operation or security of this Website or use it for unlawful purposes.

12. Electronic Communications and Information Security

Visitors may communicate with Helm6 through the Website, email, telephone, or other authorized communication channels.

Electronic communications may be subject to transmission delays, delivery failures, interception, or other security risks.

Visitors should not submit Social Security numbers, financial account credentials, payment card information, or other highly sensitive personal information through unsecured Website forms or ordinary email unless specifically instructed to do so through an appropriate secure communication method.

Helm6 will never consider a request to bind, cancel, or modify insurance coverage completed solely because a visitor has transmitted an electronic message.

Visitors should obtain confirmation that any time-sensitive insurance instruction has been received, reviewed, and acted upon by an authorized representative.

Instructions concerning premium payments or changes to payment information should be independently verified using established Helm6 contact information before funds are transferred.

13. Privacy and Personal Information

Helm6 respects the privacy of Website visitors and clients.

Information collected through this Website may be used to respond to inquiries, evaluate insurance needs, provide requested services, communicate with prospective or existing clients, and conduct legitimate business operations, subject to applicable law.

The collection, use, retention, disclosure, and protection of personal information are addressed more fully in the Helm6 Privacy Policy.

Visitors are encouraged to review the Privacy Policy before submitting personal information through this Website.

Nothing in these Terms of Use limits any privacy rights or protections available under applicable law.

14. Geographic Scope and Licensing

Helm6 Insurance Services LLC is organized as a Wyoming limited liability company and conducts its California insurance business subject to applicable California insurance licensing and regulatory requirements.

The Website is principally directed toward property owners and insurance consumers seeking insurance-related information and services concerning California properties.

Information appearing on this Website does not constitute an offer to transact insurance in any jurisdiction where Helm6 or the applicable insurance professional is not appropriately licensed or authorized to conduct such business.

Insurance products and services are offered only where permitted by applicable law and subject to applicable licensing, underwriting, and insurer requirements.

15. Governing Law

To the extent permitted by applicable law, these Terms of Use and disputes arising solely from general use of this Website shall be governed by the laws of the State of California, without regard to its conflict-of-laws principles.

Nothing in this provision is intended to alter any governing-law provision contained in a separate client agreement or insurance contract, or to restrict any rights or remedies available under applicable insurance or consumer protection laws.

16. Severability

If any provision of these Terms of Use is determined to be invalid, unlawful, or unenforceable, that provision shall be enforced only to the extent permitted by applicable law.

The remaining provisions shall continue in effect to the extent they can lawfully operate independently.

17. Contact Information

Questions concerning these Terms of Use, Website content, or Helm6 insurance advisory services may be directed to:

Helm6 Insurance Services LLC

95 West 5th Avenue. Unit 344

San Mateo, California 94402

Website: www.helm6insures.com

California Insurance License: #6017126

National Producer Number (NPN): #21717209

For insurance-related inquiries, please use the Contact page of this Website or communicate directly with your Helm6 insurance representative.

Important: General Website inquiries do not constitute requests that have been accepted or completed to bind, amend, renew, or cancel insurance coverage.