Terms and Conditions - Insurance Quote Service

Acceptance Of Terms for Insurance Quote Service

By accessing and using this insurance quote comparison website to request business insurance quotes, auto insurance quotes, or other insurance coverage information, you accept and agree to be bound by these terms and conditions. If you do not agree to these terms, please do not use this insurance quote service.

Use Of Insurance Quote Service

This website provides insurance quote comparison services for business insurance, auto insurance, and other coverage types. You agree to:

• Provide accurate and complete information when requesting insurance quotes
• Use the service only for lawful purposes related to obtaining insurance coverage
• Not misrepresent your insurance needs, business information, or vehicle details
• Understand that quotes are estimates and subject to carrier underwriting approval
• Comply with all applicable insurance laws and regulations in your state

Insurance Quote Accuracy and Binding

Insurance quotes provided through this website are:

• Estimates based on information you provide
• Not binding until a policy is issued by an insurance carrier
• Subject to change based on underwriting review and verification
• Valid for a limited time period (typically 30-60 days)
• Dependent on your eligibility and the carrier's acceptance

Final insurance premiums, coverage terms, and policy conditions are determined solely by the insurance carrier.

Relationship with Insurance Carriers

We act as an insurance quote comparison service connecting you with licensed insurance carriers and agents. We are not an insurance carrier and do not underwrite, issue, or service insurance policies. Your insurance contract is directly with the carrier you choose.

Intellectual Property

This website contains material which is owned by or licensed to us. This material includes, but is not limited to:

• The design, layout, look, appearance, and graphics
• All text, images, insurance quote tools, and calculators
• Trademarks, logos, and service marks displayed on the website
• Insurance comparison algorithms and quote generation systems

Reproduction is prohibited other than in accordance with the copyright notice.

User Conduct and Prohibited Activities

You agree not to use the insurance quote service in any way that:

• Causes damage to the website or impairs its availability
• Is unlawful, fraudulent, or harmful in any manner
• Involves collecting insurance quote data or user information without consent
• Submits false information to obtain inaccurate insurance quotes
• Attempts to manipulate insurance rates or coverage terms
• Violates insurance fraud laws or regulations

Limitation Of Liability for Insurance Services

Your use of insurance quotes and coverage information on this website is entirely at your own risk. We shall not be liable for any loss or damage whatsoever arising from:

• Inaccurate insurance quotes or coverage estimates
• Insurance carrier denial of coverage or rate changes
• Gaps in insurance coverage or claim denials
• Delays in policy issuance or coverage activation
• Actions or decisions of third-party insurance carriers

State Insurance Regulations

Insurance products, coverage options, and rates vary by state. You acknowledge that:

• Not all insurance products are available in all states
• Business insurance and auto insurance requirements differ by state
• Minimum coverage limits are set by state insurance departments
• You are responsible for maintaining required insurance coverage in your state

Third-Party Insurance Carrier Links

This website may include links to insurance carrier websites, state insurance department sites, or other insurance resources for your convenience. We have no responsibility for the content, policies, or services of linked insurance websites and do not endorse them.

Modifications to Terms

We reserve the right to revise these terms and conditions at any time. By continuing to use the insurance quote service after changes are posted, you agree to be bound by the revised terms.

Contact Us About These Terms

If you have any questions about these Terms and Conditions for our insurance quote service, please contact us: