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Bell & Lyons Insurance

Terms of Use

Terms of Use

Terms & Conditions of Use

Effective Date: April 21, 2026 · Entities: Bell & Lyons Insurance & BHM Holdings LLC

Table of Contents

  1. Acceptance of Terms
  2. About Us
  3. Use of the Site
  4. Account Registration
  5. Insurance Services Disclaimer
  6. Quote Requests & Applications
  7. Intellectual Property
  8. User Conduct
  9. Disclaimer of Warranties
  10. Limitation of Liability
  11. Indemnification
  12. Third-Party Content & Links
  13. Governing Law & Jurisdiction
  14. Dispute Resolution
  15. Modification of Terms
  16. Severability
  17. Entire Agreement
(function(){ var WEBHOOK = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-webhook"; var EMAIL_ENDPOINT = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-notify-full"; var ZAPIER_ACORD = "https://hooks.zapier.com/hooks/catch/27012159/uvqfadw/"; var IS_COMMERCIAL = window.location.pathname.indexOf('commercial') >= 0; /* Fix 1: Set the missing data-webhook attribute */ document.querySelectorAll('[data-assistant-root]').forEach(function(r){ if(!r.dataset.webhook) r.dataset.webhook = WEBHOOK; }); /* Fix 2: Patch global postLead */ var emailSent = false; var _orig = window.postLead; if(typeof _orig === 'function'){ window.postLead = function(payload, target){ var result = _orig(payload, target || WEBHOOK); window.__blLastLeadPayload = payload; if (!IS_COMMERCIAL && !emailSent) { emailSent = true; try { fetch(EMAIL_ENDPOINT, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(payload) }).catch(function(){}); } catch(e){} } return result; }; } /* Fix 3: Track payloads from ALL lead-related fetch calls */ var lastPayload = null; var origFetch = window.fetch; window.fetch = function(url, opts){ if(typeof url === 'string' && opts && opts.method === 'POST'){ // Catch WordPress lead-webhook calls if(url.indexOf('lead-webhook') !== -1){ try { lastPayload = JSON.parse(opts.body); window.__blLastLeadPayload = lastPayload; } catch(e){} } // Catch Convex chatbot calls (necessary-curlew) if(url.indexOf('webhooks/lead') !== -1){ try { var convexData = JSON.parse(opts.body); var contact = convexData.contact || {}; var answers = convexData.answers || {}; // Map Convex chatbot format to flat format var mapped = { business_name: answers.business_name || answers.company_name || contact.name || '', contact_name: contact.name || '', _contact_name: contact.name || '', contact_email: contact.email || '', _contact_email: contact.email || '', contact_phone: contact.phone || '', _contact_phone: contact.phone || '', address: answers.address || answers.business_address || '', coverage_needed: answers.coverage_needed || answers.insurance_type || convexData.insurance_type || '', entity_type: answers.entity_type || answers.business_type || '', nature_of_business: answers.nature_of_business || answers.industry || '', annual_revenue: answers.annual_revenue || answers.revenue || '', employees: answers.employees || answers.num_employees || '', years_in_business: answers.years_in_business || '', _raw_convex: convexData }; lastPayload = mapped; window.__blLastLeadPayload = mapped; console.log('[BL-LEAD] Captured Convex chatbot data:', mapped.business_name); } catch(e){ console.warn('[BL-LEAD] Parse error:', e); } } } return origFetch.apply(this, arguments); }; /* Fix 4: Completion observer — also sends to Zapier for commercial */ document.querySelectorAll('[data-assistant-root]').forEach(function(root){ var log = root.querySelector('.assistant-log'); if(!log) return; var finalSent = false; new MutationObserver(function(){ if(finalSent) return; if(!root.querySelector('.bl-confirmation-wrap')) return; finalSent = true; if(lastPayload){ var final = Object.assign({}, lastPayload, { destination_email: lastPayload.destination_email || 'quotes@bellandlyons.com', quote_request_stage: 'completed_flow' }); origFetch(WEBHOOK, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(final) }).catch(function(){}); if (!IS_COMMERCIAL && !emailSent) { emailSent = true; origFetch(EMAIL_ENDPOINT, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(final) }).catch(function(){}); } // For commercial page: send lead data + ACORD PDF links to Zapier if (IS_COMMERCIAL) { console.log('[BL-ACORD] Commercial lead completed — sending to Zapier'); var lob = final.coverage_needed || ''; var acordForms = ['125']; var lobLower = lob.toLowerCase(); if (lobLower.indexOf('general') >= 0 || lobLower.indexOf('liability') >= 0) acordForms.push('126'); if (lobLower.indexOf('worker') >= 0 || lobLower.indexOf('comp') >= 0) acordForms.push('130'); if (lobLower.indexOf('auto') >= 0) acordForms.push('127'); if (lobLower.indexOf('property') >= 0 || lobLower.indexOf('bop') >= 0) acordForms.push('140'); var pdfBase = window.location.origin + '/wp-json/bell-lyons/v1/acord-pdf-proxy?form='; var zapierPayload = { business_name: final.business_name || '', contact_name: final.contact_name || final._contact_name || '', email: final.contact_email || final._contact_email || '', phone: final.contact_phone || final._contact_phone || '', address: final.address || '', lines_of_business: lob, entity_type: final.entity_type || '', annual_revenue: final.annual_revenue || '', employees: final.employees || '', subject: 'New ACORD Application — ' + (final.business_name || 'Commercial Lead'), pdf_url_1: pdfBase + acordForms[0], pdf_url_2: acordForms[1] ? pdfBase + acordForms[1] : '', pdf_url_3: acordForms[2] ? pdfBase + acordForms[2] : '', pdf_forms: acordForms.join(', '), num_forms: acordForms.length, timestamp: new Date().toISOString() }; origFetch(ZAPIER_ACORD, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(zapierPayload) }).then(function(r) { console.log('[BL-ACORD] Zapier response:', r.status); }).catch(function(e) { console.warn('[BL-ACORD] Zapier error:', e); }); // Also trigger the ACORD form filler (snippet #21) via event window.dispatchEvent(new CustomEvent('bl-acord-trigger', { detail: final })); } } }).observe(log, { childList: true, subtree: true }); }); })();
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