Terms of Service

Welcome to BoscoeInsurance. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms. Please read them carefully.

1. Acceptance of Terms

By accessing and using BoscoeInsurance's website and services, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Services Description

BoscoeInsurance provides insurance brokerage services, including but not limited to:

• Insurance quote comparisons and recommendations
• Policy purchase and management
• Claims processing assistance
• Customer support and account management
• Educational resources and insurance information

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Not be prohibited from using our services under any applicable law

4. Account Registration

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

5. Insurance Policies and Coverage

Quotes and Estimates

Insurance quotes provided through our website are estimates only. Final premiums and coverage terms are subject to underwriting approval and may differ from quoted amounts.

Policy Terms

All insurance policies are subject to the terms and conditions of the insurance carrier. We act as a broker and intermediary between you and the insurance companies.

No Guarantee of Coverage

We do not guarantee that you will qualify for any particular insurance product or that any specific claim will be covered under your policy.

6. Payment Terms

You agree to pay all fees associated with your insurance policies in accordance with the payment schedule established at the time of purchase. Payment methods may include:

• Credit or debit card payments
• Electronic funds transfer (EFT)
• Bank transfers
• Other methods as authorized by us

Failure to pay premiums may result in policy cancellation according to the terms of your insurance contract.

7. Cancellation and Refunds

Cancellation policies vary by insurance carrier and policy type. Generally:

• You may cancel your policy at any time by contacting us or your insurance carrier
• Refunds, if applicable, will be calculated according to the carrier's cancellation policy
• Some policies may have short-rate cancellation penalties
• Cancellation requests must be submitted in writing

8. User Conduct

You agree not to:

• Provide false or misleading information
• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems
• Use our services for fraudulent purposes
• Interfere with or disrupt our services
• Transmit viruses or malicious code
• Use automated systems to access our services without permission
• Reproduce, duplicate, or copy our content without authorization

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of BoscoeInsurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not use, reproduce, or distribute any content from our website without our prior written permission.

10. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding the accuracy or completeness of information
• Warranties of uninterrupted or error-free service
• Warranties regarding security or virus-free operation

11. Limitation of Liability

To the maximum extent permitted by law, BoscoeInsurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage

Our total liability shall not exceed the amount of premiums paid to us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless BoscoeInsurance, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of our services or violation of these terms.

13. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third-party sites. Your use of third-party services is at your own risk.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts located in New York, NY.

15. Dispute Resolution

In the event of any dispute arising from these terms or our services, you agree to first attempt to resolve the dispute informally by contacting us. If the dispute cannot be resolved informally, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the new terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

17. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Contact Information

Questions about these Terms of Service should be sent to us at: