Effective Date: 04-14-2025

Welcome to Small-Biz-Insurance.com ("Website"), a platform operated by Small-Biz-Insurance.com ("Company," "we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please refrain from using our Website.

1. Services Provided

The Website provides users with access to small business insurance quote comparisons from major insurance carriers ("Services"). The quotes and information provided are for informational purposes only and do not constitute insurance advice or an insurance contract.

2. Eligibility

By using this Website, you represent that you are at least 18 years old and have the legal capacity to enter into this agreement. If you are using the Website on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

3. User Responsibilities

When using our Website, you agree to:

• Provide accurate, complete, and current information as requested.
• Use the Website only for lawful purposes.
• Refrain from impersonating any person or entity or misrepresenting your affiliation with a person or entity.
• Not interfere with or disrupt the Website’s functionality, servers, or networks.

4. Insurance Quotes

• The insurance quotes displayed on the Website are based on the information you provide and may vary depending on additional underwriting criteria or other factors determined by the insurance carriers.
• We do not guarantee the availability, accuracy, or completeness of any quote or policy information.
• The final terms and conditions of any insurance policy will be provided by the respective insurance carrier.

5. No Endorsement

Our display of insurance carriers and their quotes does not imply endorsement or recommendation of any specific carrier, policy, or product. You are solely responsible for reviewing and evaluating the terms, conditions, and suitability of any insurance product.

6. Intellectual Property

All content, features, and functionality on the Website, including but not limited to text, graphics, logos, and software, are owned by or licensed to us and are protected by intellectual property laws. You may not use, reproduce, or distribute any content from the Website without our prior written consent.

7. Privacy

Your use of the Website is also governed by our Privacy Policy, which can be found at [Insert Privacy Policy URL]. By using the Website, you consent to the collection, use, and sharing of information as described in the Privacy Policy.

8. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the content, policies, or practices of such websites. Your interactions with third-party websites are at your own risk.

11. Modifications to the Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

12. Termination

We may suspend or terminate your access to the Website at our discretion, without notice, for conduct that violates these Terms or is otherwise harmful to other users, us, or third parties.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of Delaware without regard to its conflict of laws principles. Any disputes arising from these Terms or your use of the Website shall be resolved exclusively in the courts located in Delaware.

14. Contact Us

Small-Biz-Insurance.com
460 Park Ave South #204 New York, NY 10016
Email: info@Small-Biz-Insurance.com
Phone:762-351-2621