1. Agreement to Terms
By using our business insurance and auto insurance services, you agree to these terms and conditions. If you disagree with any part, please do not use our services.
2. Insurance Services
We provide insurance brokerage services for:
- Business liability insurance and commercial coverage
- Auto insurance for personal and commercial vehicles
- Property insurance for business assets
- Workers compensation and professional indemnity
- Fleet vehicle insurance programs
3. Policy Terms
All insurance policies are subject to:
- Underwriting approval and risk assessment
- Accurate disclosure of information by the insured
- Coverage limits, deductibles, and exclusions
- Premium payment requirements and schedules
- Terms specific to each insurance carrier
4. Premium Payments
Insurance premiums must be paid:
- By the due date specified in your policy documents
- Through approved payment methods (credit card, bank transfer, check)
- Late payments may result in coverage suspension or cancellation
- Returned payments may incur additional fees
5. Claims Procedures
To file an insurance claim:
- Notify us immediately after an incident occurs
- Provide complete and accurate claim documentation
- Cooperate fully with claim investigations
- Follow all procedures outlined in your policy
- Claims are subject to policy terms and coverage verification
6. Policy Modifications
Policy changes require:
- Written request for modifications
- Underwriter approval for coverage changes
- Premium adjustments may apply
- Changes effective only upon confirmation
7. Cancellation Rights
Either party may cancel the policy:
- With written notice as per policy terms
- Refunds calculated according to refund policy
- Cancellation fees may apply
- Outstanding premiums must be paid
8. Limitation of Liability
Our liability is limited to facilitating insurance coverage. We are not liable for insurance carrier decisions, claim denials, or coverage disputes. All coverage is subject to policy terms and conditions.
9. Governing Law
These terms are governed by applicable insurance regulations and laws. Disputes will be resolved through arbitration or appropriate legal channels.