Last updated: [Month Day, Year]
By using ContractorsInsured.net, you agree to these Terms. Content on this site is general information, not legal advice. Insurance quotes are not binders and coverage is not in force until confirmed in writing and carrier requirements are met. COIs are proof of coverage at a point in time and may not grant coverage changes without endorsements. We may update the site and these Terms at any time. If you do not agree, do not use the site. For licensing details and limitations, see Disclosures.
Who we are
ContractorsInsured.net is operated by [Legal Entity Name] (“we,” “us,” “our”).
- Email: [support@contractorsinsured.net]
- Phone: [Phone Number]
- Mailing address: [Address]
We operate as an independent insurance broker for contractors and focus on clear, accurate information and fast compliance support where possible.
Acceptance of these Terms
By accessing or using this website, you agree to be bound by these Terms and any additional policies referenced here, including the Privacy Policy and Disclosures page.
If you do not agree, do not use the website.
Changes to these Terms
We may update these Terms from time to time. The “Last updated” date will reflect changes. Your continued use of the site after changes means you accept the updated Terms.
Use of the website
You agree to use the site only for lawful purposes and in a way that does not harm the site, our business, or other users.
Prohibited uses include:
- Attempting to gain unauthorized access to systems or data
- Interfering with site performance or security
- Using the site to transmit malware, spam, or abusive content
- Scraping, copying, or republishing site content at scale without permission
We may suspend or block access if we believe you are violating these Terms.
No legal advice and no professional relationship by browsing
Information on this site is general educational content. It is not legal advice, tax advice, or a guarantee of coverage. Requirements vary by contract, project, and carrier.
Viewing the site does not create a broker-client relationship. A broker-client relationship typically begins when we confirm engagement, collect required information, and proceed with submissions or service.
Insurance quotes, underwriting, and binding
Quotes and estimates
Any quote indications or estimates are based on information provided and are subject to underwriting review, carrier rules, and verification (including audits where applicable).
No binder by default
A quote, email, or website content is not a binder. Coverage is not in force until confirmed in writing and all carrier requirements are satisfied.
Underwriting and carrier decisions
Carrier eligibility, pricing, forms, endorsements, and turnaround times are carrier-driven and may change. We do not guarantee approval or rates.
COIs and endorsements
A Certificate of Insurance (COI) is generally proof of coverage and limits at a point in time. A COI may not grant coverage changes without the applicable endorsement(s).
If you need COIs or endorsements quickly:
- Existing clients: Request a COI →
- New prospects: Get a Quote →
For plain-language explanations:
Service area and availability
We currently serve contractors in California and Texas and surrounding areas, and we do not claim offices we do not have. Coverage availability varies by trade, job type, and underwriting guidelines.
Intellectual property
Unless otherwise stated, the site content (text, design, branding, logos, graphics) is owned by or licensed to us and protected by applicable intellectual property laws.
You may view and print pages for your internal business use. You may not reproduce, distribute, or create derivative works from site content without our written permission.
Third-party links and services
This site may link to third-party websites or tools. We do not control third-party sites and are not responsible for their content, availability, or privacy practices. Use third-party sites at your own risk.
Submissions, forms, and communications
When you submit information through a form, call, or email, you represent that the information is accurate to the best of your knowledge.
We may communicate with you using the contact information you provide to respond to your request, including quote requests and COI requests. Data handling is described in the Privacy Policy.
Disclaimers of warranties
The website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding accuracy, completeness, reliability, or availability of the site or its content.
Limitation of liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the site.
Our total liability for any claim relating to the website will not exceed $100 or the amount you paid us for website access (if any), whichever is greater.
Indemnification
You agree to indemnify and hold us harmless from claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from your misuse of the site or violation of these Terms.
Governing law and venue
These Terms are governed by the laws of [State], without regard to conflict of law rules.
Any dispute arising from these Terms or the site will be brought in the state or federal courts located in [County, State], unless applicable law requires otherwise.
