TERMS OF USE
Effective Date: 02/15/2025
Welcome to CaliforniaContractorInsurance.com (“CCI”, “we”, “us”, or “our”). By accessing and using our website, you agree to comply with and be bound by these Terms of Use. If you do not agree to these Terms, please discontinue use of this website immediately.
1. ACCEPTANCE OF TERMS
By using CaliforniaContractorInsurance.com, you acknowledge that you have read, understood, and agree to abide by these Terms of Use, as well as any applicable laws and regulations. We reserve the right to update or modify these Terms at any time without prior notice, and continued use of the website signifies acceptance of the updated Terms.
2. SERVICES PROVIDED
CCI is a lead generation platform designed to connect contractors seeking insurance with knowledgeable and experienced insurance brokers who specialize in construction insurance.
- We do not sell insurance policies.
- We do not provide binding quotes or coverage.
- We do not act as an insurance company, agent, or broker.
CCI is a free service for contractors based in California. Our primary function is to introduce contractors to insurance providers who have experience working with contractors and can offer quotes and advisory services tailored to their needs. The final decision regarding insurance selection remains solely with the contractor.
3. NO PROFESSIONAL OR LEGAL ADVICE
The content on this website, including articles, blog posts, FAQs, and general information, is provided for informational purposes only and does not constitute professional, legal, financial, or insurance advice. Contractors are encouraged to consult directly with a licensed insurance professional before making any insurance decisions.
4. USER RESPONSIBILITIES
By using this website, you agree to:
- Provide accurate, truthful, and complete information when requesting insurance quotes or engaging with brokers.
- Use the website solely for its intended purpose of finding insurance-related information and connections.
- Not engage in fraudulent, misleading, or illegal activities through the website.
- Not misuse, scrape, or attempt to extract data from our platform in an unauthorized manner.
Failure to comply with these responsibilities may result in termination of access to our services.
5. THIRD-PARTY LINKS AND SERVICES
CCI may contain links to third-party websites, including insurance brokers and providers. These external websites operate independently from CCI, and we do not control, endorse, or take responsibility for their content, policies, or business practices.
- Any transactions, agreements, or disputes between you and an insurance provider are solely between you and that provider.
- We are not responsible for any claims, damages, or liabilities arising from third-party interactions.
Users should carefully review the terms, conditions, and privacy policies of any third-party site before engaging with them.
6. NO GUARANTEE OF COVERAGE OR PRICING
While CCI aims to connect contractors with insurance professionals who offer competitive quotes, we do not guarantee:
- That you will receive an insurance quote or coverage.
- That you will be eligible for any specific insurance product.
- That the prices or terms offered by brokers will meet your expectations.
All insurance-related transactions are governed by the terms and conditions of the respective insurance provider.
7. DISCLAIMER OF WARRANTIES
CCI provides its website and services on an “as-is” and “as-available” basis, without warranties of any kind, express or implied.
We make no guarantees regarding:
- The accuracy, completeness, or reliability of the information on our site.
- The availability, security, or uninterrupted functionality of our website.
- The quality or outcome of any services obtained through third-party insurance brokers.
To the fullest extent permitted by law, CCI disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
8. LIMITATION OF LIABILITY
To the maximum extent permitted by law, CCI and its affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from:
- Your use or inability to use this website.
- Any errors, inaccuracies, or omissions in the information provided.
- Any loss of business, revenue, or profits due to reliance on third-party insurance providers.
- Unauthorized access to or use of our servers and data.
Your sole remedy for dissatisfaction with our website or services is to stop using the website.
9. PRIVACY POLICY
Your use of this website is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information. By using CCI, you consent to the data practices described in our Privacy Policy.
To review our Privacy Policy, visit: [Insert Privacy Policy URL]
10. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless CCI, its affiliates, officers, directors, employees, and partners from any claims, damages, liabilities, losses, or expenses (including legal fees) arising from:
- Your use of the website.
- Your violation of these Terms of Use.
- Any misrepresentation or false information you provide.
11. CHANGES TO TERMS OF USE
We reserve the right to modify, update, or replace these Terms of Use at any time. The date of the most recent changes will be posted at the top of this page. Your continued use of the website after changes are made constitutes acceptance of the new Terms.
12. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.
Any disputes arising from these Terms or your use of the website shall be resolved through binding arbitration in California, in accordance with the rules of the American Arbitration Association (AAA).
13. CONTACT INFORMATION
If you have any questions, concerns, or feedback regarding these Terms of Use, please contact us at:
CaliforniaContractorInsurance.com (CCI)
Email: [Your Contact Email]
Phone: [Your Contact Phone]