Henry's Insurance Agency, Inc.

Henry's Insurance Agency, Inc. &
T/A - Premium Payment Plan

Terms Of Service

Acceptance of the Terms of Use:
This is the website for Henry's Insurance Agency, Inc. also Trading As: Premium Payment Plan (“Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of our website: https://www.henrysinsurance.com (the “Website”) including any content, functionality and services offered on or through, whether as a guest or a registered user.
Please read these Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found at https://www.henrysinsurance.com/home/privacypolicy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.
This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
Terms of Use:
1. By accessing the website at https://henrysinsurance.com, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
Changes to the Terms of Use
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes since all changes are binding on you.
2. Disclaimer
The materials on Henry's Insurance Agency, Inc.'s website are provided on an 'as is' basis. Henry's Insurance Agency, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Henry's Insurance Agency, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
Accessing the Website and Account Security
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
You are responsible for:
Making all arrangements necessary for you to have access to the Website.
Ensuring that all persons who access the Website through your INTERNET connection are aware of these Terms of Use and comply with them.
To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity.
You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Intellectual Property Rights
The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensor or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:
Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your Web browser for display enhancement purposes.
You may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.
If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
You must not:
Modify copies of any materials from this site.
Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.
Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.
If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.
Trademarks
The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates, partners or licensor. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
In any way that violates any applicable federal, state, local or international law or regulation. To send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms of Use. To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing). To initiate and/or consummate transactions with other users in any manner other than through the website. To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.
Additionally, you agree not to:
Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website. Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent. Use any device, software or routine that interferes with the proper working of the Website. Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful. Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.
Attack the Website via a denial-of-service attack or a distributed denial-of-service attack. Otherwise attempt to interfere with the proper working of the Website.
Reliance on Information Posted The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website may include content provided by third parties, including materials provided by other users and third-party licensor, syndicates, aggregations and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the statements, opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials or services provided by any third parties.
Changes to the Website We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
Information About You and Your Visits to the Website All information we collect on this Website is subject to our Privacy Policy https://www.henrysinsurance.com/privacypolicy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
3. Limitations
In no event shall Henry's Insurance Agency, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Henry's Insurance Agency, Inc.'s website, even if Henry's Insurance Agency, Inc. or a Henry's Insurance Agency, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
4. Accuracy of materials
The materials appearing on Henry's Insurance Agency, Inc. website could include technical, typographical, or photographic errors. Henry's Insurance Agency, Inc. does not warrant that any of the materials on its website are accurate, complete or current. Henry's Insurance Agency, Inc. may make changes to the materials contained on its website at any time without notice. However Henry's Insurance Agency, Inc. does not make any commitment to update the materials.
5. Links
Henry's Insurance Agency, Inc. has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Henry's Insurance Agency, Inc. of the site. Use of any such linked website is at the user's own risk.
6. Modifications
Henry's Insurance Agency, Inc. may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.
7. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of Maryland and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
8. Finance Company
I (We) hereafter called the “Insured” hereby apply to Premium Payment Plan called “Company” to advance the principle balance of premium(s) for the policy(ies) of insurance listed above placed with above agent. I (We) promise to pay to the order of the Company the amount as disclosed in the ’Total of Payments’ in accordance with the with the ’Payment Schedule’ as defined in the ’Federal Truth-In-Lending Disclosure’ on page one of this contract. Company is requested to pay Agent or Insurers amount shown in item ’Unpaid Balance’ in the ’Itemization of Amount Financed’ on page one for the expressed purpose of paying Insurer(s) the amount due them by Insured(s) for above described policies of insurance.
9. Fees
  • A. In addition to the amounts shown in ‘Total of Payments’ above, I (We) agree to pay the Company a delinquency and collection charge with each installment payment which is in default for a period of more than five (5) days. This charge to be equal to (5%) of the installment, but is not less than $1.00 and not more than $8.00.
  • B. If the default results in the cancellation of any insurance policy listed in this agreement, a cancellation fee will be assessed. I (We) agree to pay the cancellation charge in the amount of the difference between the delinquency and collection charge and $17.00 (2016), $18.00 (2017), $19.00 (2018), $20.00 (2019). In the event that Premium Payment Plan reinstates the insurance policies I (We) agree to pay a reinstatement fee in place of the cancellation fee (if charged) not to exceed the cancellation charge.
  • C. Premium Payment Plan will charge a twenty five dollar ($25.00) fee for any dishonored check.
  • D. If you elect to pay the premium finance company with an electronic payment, Premium Payment Plan will charge the cost of the electronic payment for actual expenses incurred not to exceed eight dollars ($8.00).
10.Company Assignment
The Insured assigns to Company, as security for the repayment of the total amount payable hereunder, any and all unearned premiums or refunds obtainable from the Insurer upon cancellation of the insurance contract or return premiums which may become payable under the Policy, including all enforcement remedies that the Insured may have against the Insurer, and the Insured hereby authorizes and instructs the Insurer to pay such funds or proceeds to Company; The Insured does hereby empower Company to sign the Insured's name to any forms required to obtain refunds and(/)or to any refund checks or drafts payable to the Insured by reason of cancellation of any Policy resulting from insured’s default under this Agreement.
11. In exercising its power of cancellation, the Company shall observe the following:
  • A. Give not less than (10) days written notice of intent to cancel policy(ies) unless the default is cured within such (10) day period.
  • B. If the default is not cured within the ten (10) period, the Company in the name of the Insured(s), may request the cancellation of insurance policy(ies) by mailing a notice of cancellation to the Insurer. A copy of cancellation notice shall be mailed to the Insured at the last known address.
  • C. In the event the cancellation results in the return of unearned premiums in an amount of five dollars ($5.00) or more in excess of amount due Company from Insured(s) such excess will be refunded to the Insured. In the event a balance of five dollars ($5.00) or more remains due the Company after Insurer returns, insured agrees to immediately pay the Company said balance.
12. Finance charge is to be computed from effective date of the insurance coverage for which the premiums are to be advanced at the legal rate of interest and service fee.
13. Not withstanding any prepayment hereunder or any cancellation or early termination of the above described policy(ies) of insurance, the service fee amount in item ‘Finance Service Charge’ is not refundable and will not be returned to the Insured, the service fee being deemed fully earned by the Company. In Maryland the finance charge shall be computed from the inception date of the insurance contract on the amount of the premium loan advanced in an amount not exceeding the sum of 1.15% for each 30 days of the loan, computed in advance. The finance charge is earned on the first day of each 30 day period. In the event the policy is canceled prior to maturity or a policy is void ab initio, there will be a refund of the finance charges as follows: In Maryland Premium Payment Plan will calculate earned interest using the actuarial method for each 30 day period earned in advance until the unearned premium is returned by each insurance company and will credit the remainder of the finance charge. In the District of Columbia, the refund of finance charge is computed using the Rule of 78’s.
14. The Insured(s) or Applicants agree that the Insurance Agent or Broker through whom the listed policies were issued is not the agent of Premium Payment Plan.
15. The Insured(s) or Applicants agree not to assign the policies, except for the interest of mortgagees or loss payees without the written consent of the “Company” and that all rights conferred upon the Company may assign the rights and obligations of this premium finance agreement to another Maryland registered premium finance company after providing notice to the insured that complies with Maryland law.
16. The Insured(s) or Applicant(s) agree that the Company shall not be or become liable for any loss or damage to the Insured(s) by reason of failure of any insurer to issue or maintain in force any of said policy(ies) or by reason of the proper exercise by the Company of rights herein conferred.
17. The Insured(s) or Applicant(s) agree that the receipt of an installment payment by Company after policy(ies) cancellation shall not constitute or obligate reinstatement of such canceled policy(ies).
18. If a payment is made by credit or debit card, an electronic payment fee not to exceed $8.00 for actual expenses will be charged.
19. If you have purchased Motor Club services in conjunction with the coverage included in the Premium Finance Agreement, you will receive a separate Motor Club payment disclosure form.


In Maryland if this agreement is canceled or the loan is prepaid in full before the end of its term, the actuarial method will be used to calculate the earned finance charge. Under this method, most of the finance charge is earned in the early months of the loan term rather than equally in each month. You may request a sample illustration of how the finance charge is earned.