Terms of Engagement

1. Professional Definition of Services

Insures Network Services operates as a private, independent insurance consultation firm. It is essential to understand the following legal distinctions regarding our services:

• Non-Carrier Status: We are NOT an insurance company and do not underwrite, issue, or assume risk for any insurance policy.
• Independent Guidance: We provide independent recommendations to help you find suitable third-party coverage options across Auto, Home, Business, and Bundle lines.
• Consultation Only: Our consultations do not constitute binding legal, tax, or financial advice. For litigation or complex legal claims, consult a licensed attorney.

2. Service Scope & Referral Process

2.1 Policy Review & Consultation

Our review process involves evaluating your stated coverage needs across vehicle, property, and business assets to identify appropriate third-party options and potential bundle savings.

2.2 Carrier Referrals

Upon your request, we refer your inquiry to authorized third-party agents, brokers, or carriers who provide official quotes and handle policy issuance directly with you.

3. Client Obligations

The accuracy of our guidance relies on accurate information. By submitting an inquiry, you warrant that:

• All information provided to the Firm (including contact details and coverage needs) is accurate and current.
• You possess the legal authority to request consultation for the property, vehicles, or business entity specified.

4. Limitation of Liability

To the maximum extent permitted by applicable law, Insures Network Services shall not be liable for any third-party insurance carrier decisions, coverage denials, premium adjustments, policy cancellations, or carrier insolvencies.

5. Modifications to Terms

We reserve the right to update these Terms at any time. Any changes will be posted on this page with an updated effective date.