Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Umbrella Insurance Consultants ("Company," "we," "our," or "us") governing your access to and use of the website located at getumbrellainsurance.online and any related services we provide.

By accessing or using our website, requesting a quote, or engaging our consulting services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must immediately discontinue use of our website and services.

2. Description of Services

Umbrella Insurance Consultants is an independent insurance consulting agency. Our services include:

• Providing free, no-obligation insurance quotes from multiple licensed carriers
• Consulting on insurance options for individuals, families, and businesses
• Assisting clients with insurance policy applications and renewals
• Providing claims navigation and support services
• Reviewing existing coverage and recommending appropriate adjustments

We are licensed insurance consultants and act as brokers or agents for multiple insurance carriers. Our role is to facilitate the connection between clients and appropriate insurance providers.

3. No Insurance Contract Created

IMPORTANT: Information provided on this website, including quotes and coverage descriptions, does not constitute an insurance contract, commitment, or guarantee of coverage. Coverage is only effective once:

• A completed application has been submitted and accepted by the insurer
• The first premium payment has been received and processed
• A formal policy document has been issued by the insurance carrier

All quotes provided are estimates based on information submitted and are subject to underwriting review and change. Actual premiums may differ from quoted amounts.

4. Acceptable Use of Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You agree NOT to:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any portion of our systems
• Transmit any harmful, disruptive, or malicious code or data
• Scrape, crawl, or harvest information from our website without written consent
• Use our website for any commercial purpose without prior written authorization
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Violate any applicable local, state, national, or international laws or regulations

We reserve the right to terminate access to our website for any user who violates these terms.

5. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, page design, and underlying code — is the property of Umbrella Insurance Consultants or its content licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from this website for personal, non-commercial use only, provided you do not modify the content and retain all copyright and other proprietary notices. Any other use, including reproduction, distribution, or modification, is strictly prohibited without our prior written consent.

6. Disclaimer of Warranties

THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES PROVIDED HEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

• The website will be uninterrupted, error-free, or secure
• Information on this site is accurate, complete, or current
• The website will be free from viruses or other harmful components
• Results obtained from using the website will be accurate or reliable

Information provided on our website is for general informational purposes only and should not be relied upon as professional insurance, legal, or financial advice.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UMBRELLA INSURANCE CONSULTANTS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Damages arising from your use of or inability to use our website or services
• Any unauthorized access to or alteration of your data or transmissions
• Any actions or inactions of insurance carriers regarding coverage, claims, or policies

In no event shall our total liability to you exceed the amount paid by you to us in the three months preceding the claim. Some jurisdictions do not allow limitations on liability, so these limitations may not apply to you.

8. Third-Party Services & Links

Our website may contain links to third-party websites, insurance carrier portals, and external services. These links are provided for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or services of any third-party sites.

Your interactions with third-party sites and services are governed by their own terms and policies. We encourage you to review those terms before engaging with any third-party services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Umbrella Insurance Consultants and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the website or services
• Your submission of false or fraudulent information
• Your violation of any applicable law or regulation

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under or related to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in the United States.

We encourage you to contact us first to resolve any disputes informally. If informal resolution fails, disputes may be submitted to binding arbitration in accordance with applicable arbitration rules, except where prohibited by law.

11. Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Changes become effective immediately upon posting to our website, unless otherwise noted. The "Effective Date" at the top of this page indicates when these Terms were last revised.

Your continued use of our website or services following any changes constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically. If you disagree with any changes, you must discontinue use of our website and services.

12. Contact Us

If you have any questions, concerns, or need clarification regarding these Terms & Conditions, please contact us: