Terms of Service

1. Agreement To These Terms

These Terms of Service (“Terms”) form a binding agreement between you and Claim Support Zone (“we”, “us”, “our”) governing your use of claimsupportzone.com and any related services, tools or communications (together, the “Services”).

By accessing or using the Services you accept these Terms. If you do not accept them, please do not use the Services. If you are agreeing on behalf of a business, you confirm you have authority to bind that business.

2. Who We Are And What We Do

Claim Support Zone is a licensed independent insurance producer (National Producer Number 19284756), licensed in 48 states. A current list of our state licences is available on request.

We are a broker, not an insurer. We do not underwrite risk, issue policies, or pay claims. We arrange cover with third-party carriers who are solely responsible for the policies they issue, the terms they set, the premiums they charge, and the claims decisions they make.

We are typically compensated by commission paid by the carrier out of the premium you would pay in any event. In some commercial placements we may charge an agreed broker fee, always disclosed in writing before you commit.

3. Information Is Not Advice

Content on this website — including blog articles, guides, comparison tables, and indicative premiums — is general information only. It does not take account of your particular circumstances and does not constitute insurance, legal, tax, or financial advice.

Personalised recommendations are given only by a licensed advisor, in a documented conversation, after reviewing your actual situation. Nothing on this website should be relied upon as a substitute for that conversation, nor for reading your own policy documents.

4. Quotes, Premiums And Eligibility

Any premium shown on this website is an indicative estimate. Actual premiums are determined by the carrier following full underwriting and may differ materially.

• Quotes are valid only for the period stated on them, typically 30 days.
• Quotes are conditional on the accuracy and completeness of the information you provide.
• Cover does not exist until the carrier confirms it in writing and any required initial premium is paid.
• Carriers may decline any application, or apply exclusions, loadings or conditions.
• We do not publish premium figures on this website. Any pricing is provided individually, in writing, after we assess your circumstances.

5. Your Responsibilities

When you use the Services you agree to:

• Provide accurate, current and complete information, and update us when circumstances change.
• Disclose all material facts a carrier would reasonably want to know. Non-disclosure or misrepresentation can void your policy and cause a claim to be denied.
• Read your policy documents, including the schedule and exclusions, and tell us promptly if anything is wrong.
• Pay premiums on time, directly to the carrier or as otherwise directed.
• Use the Services lawfully, and not attempt to disrupt, scrape, reverse-engineer or gain unauthorised access to them.
• Not submit fraudulent applications or claims. We report suspected insurance fraud to the relevant authorities.

6. Intellectual Property

All content on this website — text, graphics, layout, code, logos and the Claim Support Zone name — is owned by us or our licensors and protected by copyright and trade mark law.

You may view, download and print pages for your own personal, non-commercial use. You may not republish, sell, systematically extract, or create derivative works from our content without written permission. Brief quotations with clear attribution and a link back are welcome.

7. Third-Party Links And Content

The Services may link to third-party websites, including carrier portals and payment processors. We provide these links for convenience only. We do not control those sites, do not endorse their content, and are not responsible for their privacy practices or terms. Review their policies before providing any information.

8. Disclaimers

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, or that any information — including premium estimates and carrier availability — will be accurate, complete or current. Insurance products, pricing and availability change frequently and vary by state.

9. Limitation Of Liability

To the fullest extent permitted by law, neither we nor our officers, employees or agents will be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, or for any loss of profits, revenue, data or goodwill, arising out of or in connection with your use of the Services.

Our total aggregate liability arising out of or relating to these Terms will not exceed the greater of (a) the total fees you paid us directly in the twelve months preceding the claim, or (b) one hundred US dollars ($100).

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability under applicable insurance regulation. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

10. Indemnity

You agree to indemnify and hold us harmless from any claim, loss, liability, or reasonable legal cost arising from your breach of these Terms, your violation of law, or information you provided that was materially inaccurate, incomplete or fraudulent.

11. Complaints And Dispute Resolution

If something goes wrong, tell us first. Most issues are resolved quickly and informally.

1. Contact us at complaints@claimsupportzone.com or +1 (888) 427-6835. We acknowledge within two business days and aim to resolve within fifteen.
2. Escalate internally to our Compliance Director if you are not satisfied.
3. Contact your state insurance department, which handles complaints about licensed producers at no cost to you.
4. Arbitration. Any remaining dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Travis County, Texas.

Class action waiver. Disputes must be brought individually and not as a plaintiff or class member in any purported class or representative proceeding.

Small claims and opt-out. Either party may bring an individual claim in small claims court instead. You may opt out of arbitration entirely by writing to us within 30 days of first accepting these Terms; opting out will not affect any other part of our relationship.

12. Termination

You may stop using the Services at any time. We may suspend or terminate access if you breach these Terms, if we suspect fraudulent activity, or if we are required to do so by law or a regulator.

Termination of website access does not cancel any insurance policy. Policies are cancelled only in accordance with their own terms, by notifying the carrier or asking us to do so on your behalf. Sections covering intellectual property, disclaimers, liability, indemnity and dispute resolution survive termination.

13. General

• Governing law. These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, and subject to any mandatory consumer protections of your home state.
• Severability. If any provision is held unenforceable, the remainder continues in full force.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms without our consent. We may assign them to a successor entity.
• Entire agreement. These Terms, together with our Privacy Policy, are the entire agreement between us regarding the Services.
• Changes. We may update these Terms. Material changes will be posted here with a revised date and, where they significantly affect your rights, notified by email at least 30 days in advance.

Questions about these Terms? Email legal@claimsupportzone.com or write to 8405 Cima Serena Ct, Austin, TX 78759, USA.